Orange County Bancorp, Inc. filed its Form 10-Q for the quarterly period ended September 30, 2026 with the U.S. Securities and Exchange Commission on November 9, 2026, reporting third-quarter and year-to-date financial results for the company listed on NASDAQ:OBT.

Key Highlights

  • Third-quarter net income: $12,486 thousand, up from $10,019 thousand in the same quarter of 2025, according to the filing.
  • Basic and diluted EPS: $0.93 for Q3 2026, compared to $0.75 for Q3 2025, as reported.
  • Nine-month net income: $37,429 thousand for the nine months ended September 30, 2026, versus $29,184 thousand in the prior-year period.
  • Total assets: $2,737,747 thousand as of September 30, 2026, compared to $2,659,377 thousand at December 31, 2025.
  • Total deposits: $2,366,340 thousand at September 30, 2026, up from $2,310,373 thousand at December 31, 2025.
  • Shares outstanding: 13,411,153 shares of common stock as of November 4, 2026.
  • Valuation allowance on loans held-for-sale: A charge of $(4,480) thousand was recorded for the nine months ended September 30, 2026, per the filing.

Orange County Bancorp Reports Higher Net Interest Income and Loan Growth in Third Quarter 2026

According to the filing, Orange County Bancorp reported net interest income of $29,921 thousand for the three months ended September 30, 2026, an increase from $26,947 thousand in the comparable 2025 period. Total interest income reached $36,206 thousand in Q3 2026, up from $34,528 thousand a year earlier, driven primarily by growth in interest and fees on loans, which rose to $31,108 thousand from $29,839 thousand. Total interest expense declined to $6,285 thousand from $7,581 thousand, reflecting lower costs across savings and NOW accounts, time deposits, and FHLB advances.

For the nine months ended September 30, 2026, the company disclosed net interest income of $86,244 thousand, compared to $75,715 thousand in the same period of 2025. Total noninterest income for the nine-month period was $8,944 thousand, a decrease from $18,460 thousand in 2025. The filing attributes part of this decline to a valuation allowance on loans held-for-sale of $(4,480) thousand recorded in the nine-month period, compared to no such charge in 2025, and the absence of a $3,590 thousand bank-owned life insurance benefit and a $1,236 thousand gain on sale of assets that had each occurred in the prior-year period.

On the balance sheet, the company reported total loans of $1,966,837 thousand and an allowance for credit losses of $27,189 thousand as of September 30, 2026. Loans held-for-sale of $42,572 thousand appeared on the balance sheet at the end of Q3 2026, with no comparable balance at December 31, 2025. Total stockholders' equity grew to $308,996 thousand from $284,364 thousand at year-end 2025. The provision (credit) for credit losses on loans was a credit of $(641) thousand for the nine months ended September 30, 2026, compared to a provision of $6,191 thousand in the prior-year nine-month period. The registrant identified itself as an accelerated filer and an emerging growth company in the filing.

What Was Disclosed

Orange County Bancorp filed its quarterly report covering the period ended September 30, 2026, disclosing condensed consolidated financial statements, management's discussion and analysis, and other required information under Sections 13 and 15(d) of the Securities Exchange Act of 1934.