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Orange County Bancorp, Inc. DE (OBT)

Orange County Bancorp, Inc. DE (OBT)

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Balance Sheets Overview

Debt to Asset Ratio
89.75%
Unit: Thousand (K) dollars
Assets Breakdown
    • Loans
    • Cash and due from banks
    • Other assets
    • Others
Liabilities Breakdown
    • Interest bearing
    • Noninterest bearing
    • Surplus
    • Others
Balance Sheets
2025-09-30
2025-06-30
Cash and due from banks
189,880
175,606
Investment securities - available-for-sale (amortized cost 482,994, net of allowance for credit losses of 0 at september 30, 2025 and 519,567, net of allowance for credit losses of 0 at december 31, 2024)
426,631
410,814
Restricted investment in bank stocks
6,916
5,618
Loans
1,935,676
1,917,802
Allowance for credit losses
29,287
28,408
Loans, net
1,906,389
1,889,394
Premises and equipment, net
15,167
14,949
Accrued interest receivable
10,514
10,465
Bank owned life insurance
32,384
35,398
Goodwill
5,359
5,359
Intangible assets
607
678
Other assets
42,603
57,982
Total assets
2,636,450
2,606,263
Noninterest bearing
711,951
687,120
Interest bearing
1,566,919
1,589,603
Total deposits
2,278,870
2,276,723
Fhlb advances, short term
22,500
21,000
Fhlb advances, long term
10,000
10,000
Subordinated notes, net of issuance costs
24,483
19,626
Accrued expenses and other liabilities
30,477
26,325
Total liabilities
2,366,330
2,353,674
Common stock, 0.25 par value 30,000,000 shares authorized 13,374,757 and 11,366,608 issued 13,366,740 and 11,350,158 outstanding, at september 30, 2025 and december 31, 2024, respectively
3,344
3,343
Surplus
164,717
164,752
Retained earnings
154,409
146,129
Accumulated other comprehensive income (loss), net of taxes
-52,151
-61,436
Treasury stock, at cost 8,017 and 16,450 shares at september 30, 2025 and december 31, 2024, respectively
199
199
Total stockholders' equity
270,120
252,589
Total liabilities and stockholders' equity
2,636,450
2,606,263
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Balance Sheets

Loans$1,935,676K Loans, net$1,906,389K Investment securities -available-for-sale (amortized cost...$426,631K Cash and due frombanks$189,880K Other assets$42,603K Bank owned lifeinsurance$32,384K Premises and equipment,net$15,167K Accrued interestreceivable$10,514K Restricted investment inbank stocks$6,916K Goodwill$5,359K Intangible assets$607K Allowance for creditlosses$29,287K Total assets$2,636,450K Total liabilities andstockholders' equity$2,636,450K Total liabilities$2,366,330K Total stockholders'equity$270,120K Accumulated othercomprehensive income (loss),...-$52,151K Treasury stock, at cost8,017 and 16,450...$199K Total deposits$2,278,870K Accrued expenses andother liabilities$30,477K Subordinated notes, net ofissuance costs$24,483K Fhlb advances, shortterm$22,500K Fhlb advances, longterm$10,000K Surplus$164,717K Retained earnings$154,409K Common stock, 0.25 parvalue 30,000,000...$3,344K Interest bearing$1,566,919K Noninterest bearing$711,951K