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Orange County Bancorp OBT Tier 1 Leverage Well-Capitalized Requirement

Tier 1 Leverage Well-Capitalized Requirement at other companies

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$416.51M+4.6%
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Amalgamated Financial Corp.AMAL
$431.39M+3.3%
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Northeast Community BancorpNECB
$100.54M+2.1%
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Esquire Financial Holdings, Inc.ESQ
$112.05M+20.0%
Heritage Financial logo
Heritage FinancialHFWA
$337.58M-3.2%
Orange County Bancorp logo
Orange County BancorpOBT
$136.29M+5.0%

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:TierOneLeverageCapitalRequiredToBeWellCapitalized.

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 well-capitalized requirement?
Orange County Bancorp (OBT) reported tier 1 leverage well-capitalized requirement of $136.29M in Q1 2026.
How has Orange County Bancorp's tier 1 leverage well-capitalized requirement changed year-over-year?
Orange County Bancorp's tier 1 leverage well-capitalized requirement increased by 5.0% year-over-year, from $129.77M to $136.29M.
What is the long-term trend for Orange County Bancorp's tier 1 leverage well-capitalized requirement?
Over 5 years (2020 to 2025), Orange County Bancorp's tier 1 leverage well-capitalized requirement has grown at a 9.9% compound annual growth rate (CAGR), from $83.61M to $134.16M.
What does tier 1 leverage well-capitalized requirement mean?
This metric defines the specific capital ratio threshold that a banking institution must exceed to be classified as well-capitalized under regulatory frameworks. Achieving this status is critical for operational flexibility, as it often dictates the bank's ability to engage in expanded business activities or acquisitions. It serves as a key indicator of the bank's financial health and its standing with federal and state regulators.