Skip to content

Orange County Bancorp OBT Capital Conservation Buffer

Capital Conservation Buffer at other companies

Valley National Bank logo
Valley National BankVLY
$0.110.0%
Customers Bancorp logo
Customers BancorpCUBI
International Bancshares logo
International BancsharesIBOC

Other financials

Income statement

See full
Revenue$32.1M+14.6%
Net income$11.3M+29.6%
EPS (diluted)$0.85+10.4%

Balance sheet

See full
Cash & equivalents$257.5M+56.9%
Total debt$4.3M+17.6%
Total equity$291.7M+44.9%
Total assets$2.7B+5.7%

Cash flow

See full
Operating cash flow$10.2M+111%
CapEx$563.0K+14.0%
Free cash flow$9.7M+123%

Valuation

See full
Market cap$494.62M+55.2%
P/E11.2×-0.5×
P/S3.8×+0.9×

Profitability

See full
Net margin33.7%+8.9pp
FCF margin35.5%+3.6pp

Returns & leverage

See full
Return on equity17.9%+3.2pp
Debt / equity0.0×

Where this comes from

Reported directly by Orange County Bancorp in its filing.

Tagged under the XBRL concept us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.

The official record: Orange County Bancorp’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

Ask your AI about Orange County Bancorp's capital conservation buffer.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Orange County Bancorp's capital conservation buffer?
Orange County Bancorp (OBT) reported capital conservation buffer of 8% in Q1 2026.
How has Orange County Bancorp's capital conservation buffer changed year-over-year?
Orange County Bancorp's capital conservation buffer decreased by 0.0% year-over-year, from 8% to 8%.
What is the long-term trend for Orange County Bancorp's capital conservation buffer?
Over 5 years (2020 to 2025), Orange County Bancorp's capital conservation buffer has grown at a -60.2% compound annual growth rate (CAGR), from 800% to 8%.
What does capital conservation buffer mean?
An additional layer of high-quality capital that banks are required to hold above the minimum regulatory capital requirements. This buffer is intended to absorb losses during periods of economic downturn, thereby reducing the risk of insolvency. Maintaining a robust buffer is a key indicator of a bank's financial health and risk management capability.