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Orange County Bancorp OBT Tier 1 Leverage Adequacy Requirement

Tier 1 Leverage Adequacy Requirement at other companies

Valley National Bank logo
Valley National BankVLY
$2.46B+0.7%
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:TierOneLeverageCapitalRequiredForCapitalAdequacy.

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 tier 1 leverage adequacy requirement?
Orange County Bancorp (OBT) reported tier 1 leverage adequacy requirement of $109.03M in Q1 2026.
How has Orange County Bancorp's tier 1 leverage adequacy requirement changed year-over-year?
Orange County Bancorp's tier 1 leverage adequacy requirement increased by 5.0% year-over-year, from $103.82M to $109.03M.
What is the long-term trend for Orange County Bancorp's tier 1 leverage adequacy requirement?
Over 5 years (2020 to 2025), Orange County Bancorp's tier 1 leverage adequacy requirement has grown at a 9.9% compound annual growth rate (CAGR), from $66.89M to $107.33M.
What does tier 1 leverage adequacy requirement mean?
This represents the minimum regulatory threshold for Tier 1 capital relative to a bank's average total consolidated assets. It acts as a non-risk-based backstop to ensure the institution maintains sufficient capital to support its operations and protect depositors. Falling below this requirement can trigger regulatory intervention and limit the bank's ability to distribute capital to shareholders.