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Orange County Bancorp (OBT) investor relations material
Orange County Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Net income for Q3 2025 reached $10.0 million, up 211.5% year-over-year, with EPS at $0.75 versus $0.28 last year, driven by higher net interest and noninterest income and lower credit loss provisions.
For the nine months ended September 30, 2025, net income was $29.2 million, up from $20.7 million year-over-year, with EPS at $2.39 versus $1.84.
Book value per share increased 23.6% to $20.21, and tangible book value per share rose 25.1% to $19.76 since year-end 2024.
Financial highlights
Net interest income for Q3 2025 rose 17.3% to $27.0 million; net interest margin expanded to 4.26% from 3.81% year-over-year.
Noninterest income increased 62.6% to $6.8 million, including a $1.2 million BOLI death benefit and $932k insurance proceeds.
Noninterest expense grew 5.6% to $16.8 million, mainly from higher salaries, benefits, and technology investments.
Provision for credit losses was $3.9 million, down from $7.2 million year-over-year.
Efficiency ratio improved to 49.9% from 58.8% in Q3 2024.
Outlook and guidance
Management remains confident in navigating interest rate pressures and economic uncertainties, emphasizing prudent underwriting and diversified revenue streams.
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Next Orange County Bancorp earnings date
Q4 20255 Feb, 2026
Next Orange County Bancorp earnings date
Q4 20255 Feb, 2026
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Frequently asked questions
Orange County Bancorp, Inc. is a financial holding company based in Middletown, New York. It operates primarily through its subsidiary, Orange Bank & Trust Company. The company offers a variety of commercial and consumer banking products and services tailored to individuals, small businesses, middle-market enterprises, and local municipal governments. These services include traditional banking products like deposit accounts, commercial real estate loans, residential loans, and consumer loans. Additionally, Orange County Bancorp provides trust and wealth management services, including financial planning, asset management, and fiduciary services. The company is headquartered in Middletown, New York, and its shares are listed on the NASDAQ.
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