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Orange County Bancorp OBT Regulatory Capital Requirement

Regulatory Capital Requirement at other companies

Valley National Bank logo
Valley National BankVLY
$5.31B+4.6%
Customers Bancorp logo
Customers BancorpCUBI

Other financials

Income statement

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

Balance sheet

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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

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

Valuation

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

Profitability

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

Returns & leverage

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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:CapitalRequiredForCapitalAdequacy.

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

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Questions, answered.

What is Orange County Bancorp's regulatory capital requirement?
Orange County Bancorp (OBT) reported regulatory capital requirement of $158.02M in Q1 2026.
How has Orange County Bancorp's regulatory capital requirement changed year-over-year?
Orange County Bancorp's regulatory capital requirement increased by 3.6% year-over-year, from $152.6M to $158.02M.
What is the long-term trend for Orange County Bancorp's regulatory capital requirement?
Over 5 years (2020 to 2025), Orange County Bancorp's regulatory capital requirement has grown at a 12.0% compound annual growth rate (CAGR), from $89.21M to $156.93M.
What does regulatory capital requirement mean?
The minimum level of capital that a financial institution must hold as mandated by banking regulators to ensure solvency and protect depositors. This requirement is based on the risk profile of the bank's assets and operations. It serves as a fundamental benchmark for assessing the bank's regulatory standing and operational safety.