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Orange County Bancorp OBT Tier 1 Well-Capitalized Requirement

Tier 1 Well-Capitalized Requirement at other companies

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Tompkins FinancialTMP
$518.54M+6.4%
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$633.99M+0.6%
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$150.16M+26.1%
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WSFS FinancialWSFS
$1.29B-1.5%
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Heritage FinancialHFWA
$446.1M-0.9%
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Northeast Community BancorpNECB
$174.34M+8.5%

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:TierOneRiskBasedCapitalRequiredToBeWellCapitalized.

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 well-capitalized requirement?
Orange County Bancorp (OBT) reported tier 1 well-capitalized requirement of $158.02M in Q1 2026.
How has Orange County Bancorp's tier 1 well-capitalized requirement changed year-over-year?
Orange County Bancorp's tier 1 well-capitalized 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 tier 1 well-capitalized requirement?
Over 5 years (2020 to 2025), Orange County Bancorp's tier 1 well-capitalized requirement has grown at a 12.0% compound annual growth rate (CAGR), from $89.21M to $156.93M.
What does tier 1 well-capitalized requirement mean?
This metric specifies the minimum absolute or relative Tier 1 capital level required for a bank to meet the regulatory definition of being well-capitalized. It serves as a benchmark for investors to assess the bank's capital strength relative to the highest regulatory tier. Exceeding this requirement provides the bank with greater strategic flexibility and lower regulatory oversight risk.