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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Orange County Bancorp
Orange County Bancorp (OBT) investor relations material
Orange County Bancorp Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary28 Jul, 2026
Executive summary
Net income for Q2 2026 was $13.7 million, up 30.6% year-over-year; six-month net income was $24.9 million, up 30.1% from the prior year.
Total assets reached $2.8 billion at June 30, 2026, up 5.3% from December 31, 2025, driven by higher cash balances and loans held-for-sale, despite a decrease in loans and investment securities.
Earnings per share rose 17.2% to $1.02 for Q2 2026; book value per share increased 7.5% to $22.87 since year-end 2025.
Growth was driven by higher net interest income, lower provision for credit losses, and a one-time deferred tax valuation allowance reversal, partially offset by a valuation loss on loans held-for-sale.
Deposit growth remained strong, with total deposits increasing 5.2% to $2.4 billion, supporting liquidity and funding needs.
Financial highlights
Net interest income rose 13.1% year-over-year to $28.4 million for Q2 and 15.5% to $56.3 million for the six months, driven by higher loan balances and improved net interest margin.
Net interest margin increased to 4.44% in Q2 2026 from 4.06% in Q2 2025; net interest rate spread improved to 3.87%.
Noninterest income declined sharply due to a $4.8 million valuation loss on loans held-for-sale and absence of prior year one-time gains.
Noninterest expense increased 3.1% year-over-year in Q2, reflecting higher salaries, benefits, and professional fees.
Total loans, including held-for-sale, reached $2.0 billion, up 1.5% since year-end 2025.
Outlook and guidance
Management expects continued deposit growth and stable liquidity, with sufficient funds to meet current funding commitments.
Management anticipates normalization of loan growth as the new loan pipeline remains robust despite recent elevated payoffs.
Continued focus on growing low-cost, organically sourced deposits to maintain competitive funding advantage.
The company remains focused on credit quality and prudent risk management amid competitive and economic pressures.
Wealth Management division expected to stabilize after staff changes and AUM decline.
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Latest events from Orange County Bancorp
- Q1 2026 net income surged 29.6% to $11.3M, with assets at $2.7B and strong deposit growth.OBT
Q1 2026 - Annual meeting to elect directors and ratify auditor, with strong governance and compensation oversight.OBTProxy filing
- Record earnings, robust loan and deposit growth, and improved efficiency marked 2025.OBTQ4 2025
- Flexible $100M shelf registration enables diverse securities offerings for growth and capital needs.OBTRegistration Filing
- Annual meeting to elect directors, ratify auditor, and review executive pay and governance.OBTProxy Filing
- Q3 2025 net income jumped 211.5% year-over-year, driven by higher revenue and improved efficiency.OBTQ3 2025
- Q2 2025 net income up 27%, fueled by loan growth, efficiency, and capital raise.OBTQ2 2025
- Q2 profit fell 9.6%, but first-half earnings surged 42.1% on higher interest income.OBTQ2 2024
- Net income plunged on credit loss reserves, but book value, loans, and deposits increased.OBTQ3 2024
Next Orange County Bancorp earnings date
Q3 20265 Nov, 2026
Orange County Bancorp
Next Orange County Bancorp earnings date
Q3 20265 Nov, 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.