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Orange County Bancorp (OBT) investor relations material
Orange County Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary30 Jul, 2025
Executive summary
Net income for Q2 2025 was $10.5 million, up 27.4% year-over-year; six-month net income reached $19.2 million, a 9.5% increase.
EPS for Q2 2025 was $0.87, up from $0.73; book value per share increased 15.6% to $18.90.
Total assets grew 3.8% to $2.6 billion as of June 30, 2025, driven by loan and deposit growth.
Completed a $46 million common stock offering, strengthening capital and liquidity.
Total loans grew 5.6% to $1.9 billion; deposits increased 5.7% to $2.3 billion since year-end 2024.
Financial highlights
Net interest income rose 4.2% to $25.1 million for Q2 2025 and 6.7% to $48.8 million for the six months.
Noninterest income surged 92.2% to $7.3 million in Q2, aided by a $1.2 million branch sale gain and $2.4 million BOLI proceeds.
Noninterest expense increased 8.2% to $16.8 million in Q2, reflecting investments in growth and technology.
Efficiency ratio improved to 51.6% in Q2 2025 from 55.5% a year earlier.
Return on average assets was 1.62% for Q2 2025; return on average equity was 19.41%.
Outlook and guidance
Management anticipates sufficient liquidity and capital to meet funding needs, focusing on deposit growth and prudent risk management.
Interest rate environment expected to remain favorable for net interest income, though competitive pressures persist.
Continued expansion in wealth management and business banking expected to drive future fee income.
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Next Orange County Bancorp earnings date
Q3 202529 Oct, 2025
Next Orange County Bancorp earnings date
Q3 202529 Oct, 2025
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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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