OBT at a glance
Orange County Bancorp, Inc. /DE/ (OBT, SEC CIK 1754226) filed its latest 10-K annual report on March 16, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on September 23, 2026 and Form 4 insider filings as recently as October 2, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Orange County Bancorp, Inc. /DE/ (OBT) reported revenue of $135.0 million (up 6.1% from FY2024) and net income of $41.6 million. Diluted EPS was $3.33.
- As of June 30, 2026, 22 institutional investment managers tracked by SignalX reported holding Orange County Bancorp, Inc. /DE/ (OBT) shares worth $136.1 million in 13F-HR filings.
- In the last 90 days, OBT insiders reported 0 open-market purchases ($0) and 3 open-market sales ($176K) on Form 4, a net sale of $176K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $135.0M
- +6.1% vs prior year
- Insiders · 90 days
- 0 buys · 3 sells
- Net −$176K
- 13F holders
- 22 funds
- $136.1M · +0 vs prior quarter
- Latest 8-K
- Sep 23, 2026
- Item 7.01
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Assets $2.8B, up $141.0M or 5.3% from December 31, 2025
- Cash $334.9M, up 64.0% from $204.2M, driven by deposit growth and loan repayments
- Commercial real estate largest portfolio at $1.5B, or 78.86% of total loans
- Nonperforming loans $22.2M, up from $11.1M; nonperforming assets 0.79% vs 0.42%
- Outlook headwinds: interest-rate changes, deposit competition, loan payoffs, real-estate conditions and credit quality risks
Risk Factors
- No material changes to 2025 Form 10-K risk factors, filed March 16, 2026
- No newly triggered risk factor disclosed during the second quarter of 2026
- No material regulatory, legal, or compliance risk updates disclosed
- No new operational, competitive, market, liquidity, debt, currency, or concentration risks disclosed
AI summary of the OBT 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Item 7.01 provides Regulation FD disclosure, but the text contains only standard filing-status disclaimers
- Information is furnished, not “filed” under Exchange Act Section 18
Item EX-99.1: Item EX-99.1
- 2Q 2026 results presentation highlights $2.8B assets, $2.4B deposits, $1.9B net loans, and $1.7B AUM
- Six-month 2026 net income $24.943M, EPS $1.87, ROAA 1.86%, and ROAE 16.97%
Item 8.01: Other Events
- $0.18-per-share cash dividend declared by Orange County Bancorp
- Payable September 15, 2026 to shareholders of record September 4, 2026
Item EX-99.1: Item EX-99.1
- Q2 net income reached record $13.7M, up 30.6%, but included a $5.3M deferred-tax valuation allowance reversal
- Adjusted net income was $12.6M after excluding the tax benefit and $4.8M loans-held-for-sale valuation loss
AI summaries of OBT 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for OBT
Don't miss the next OBT filing
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- Fund moves. Which tracked funds opened, added or cut OBT, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Schiller Jon | A | Oct 1, 2026 | - | $37.19 |
| Rowley Richard B | A | Oct 1, 2026 | - | $37.19 |
| Rouis Jonathan F | A | Oct 1, 2026 | - | $37.19 |
| Tirado Olga Luz | A | Oct 1, 2026 | - | $37.19 |
| Kennedy Marianna R | A | Oct 1, 2026 | - | $37.19 |
| HOLCOMBE GREGORY F | A | Oct 1, 2026 | - | $37.19 |
| Keane Kevin J | A | Oct 1, 2026 | - | $37.19 |
| Rowley Richard B | A | Sep 15, 2026 | - | $38.78 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $117.8M | $127.2M | $135.0M |
| Net Income | $29.5M | $27.9M | $41.6M |
| Net Margin | 25.0% | 21.9% | 30.8% |
| Balance Sheet | |||
| Total Assets | $2.5B | $2.5B | $2.7B |
| Equity | $165.4M | $185.5M | $284.4M |
| ROE | 17.8% | 15.0% | 14.6% |
| Per Share | |||
| EPS | - | $2.47 | $3.33 |
| Cash Flow | |||
| Operating CF | $44.5M | $34.6M | $43.8M |
| CapEx | $3.5M | $1.7M | $2.5M |
Source: XBRL data in Orange County Bancorp, Inc. /DE/ (OBT)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate OBT share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 22 | $136.1M |
| Q1 2026 | 22 | $107.6M |
| Q4 2025 | 18 | $92.7M |
| Q3 2025 | 19 | $81.8M |
| Q2 2025 | 20 | $61.4M |
| Q1 2025 | 17 | $23.3M |
| Q4 2024 | 13 | $25.2M |
| Q3 2024 | 10 | $12.0M |
- AQR Capital Management+78.9K (+270%)
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- Dimensional Fund Advisors+26.9K (+21%)
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- Millennium Management−21.0K (-44%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 141 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
OBT filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 8-K | Sep 23, 2026 | - | Analysis | - |
| 4 | Sep 21, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 16, 2026 | - | - | - |
| 8-K | Aug 21, 2026 | - | Analysis | - |
| 10-Q | Aug 10, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 5, 2026 | - | - | - |
| 4 | Aug 3, 2026 | - | - | - |
| 8-K | Jul 28, 2026 | - | Analysis | - |
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OBT SEC filings: frequently asked questions
Are OBT insiders buying or selling?
In the last 90 days, Orange County Bancorp, Inc. /DE/ (OBT) officers, directors and 10% owners reported no open-market purchases and 3 open-market sales worth $176,136 by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold OBT stock?
As of June 30, 2026, the largest Orange County Bancorp, Inc. /DE/ (OBT) holders among the 13F filers tracked by SignalX were BlackRock ($72.1 million), Vanguard Capital Management LLC ($17.3 million), State Street Corp ($8.0 million), Dimensional Fund Advisors ($5.7 million), Morgan Stanley ($4.1 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was OBT's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Orange County Bancorp, Inc. /DE/ (OBT) reported revenue of $135.0 million (up 6.1% from FY2024) and net income of $41.6 million. Diluted EPS was $3.33. The figures come from the XBRL data in the 10-K.
What did OBT report in its latest 8-K?
Orange County Bancorp, Inc. /DE/ (OBT) filed an 8-K on September 23, 2026 reporting Item 7.01 (Regulation FD Disclosure). Item 7.01 provides Regulation FD disclosure, but the text contains only standard filing-status disclaimers.
What are the latest OBT SEC filings?
Orange County Bancorp, Inc. /DE/ (OBT) filed its latest 10-K annual report on March 16, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on September 23, 2026 and a Form 4 insider filing on October 2, 2026.
What is OBT's SEC CIK number?
Orange County Bancorp, Inc. /DE/ (OBT)'s SEC Central Index Key (CIK) is 1754226. EDGAR lists every OBT filing under that number.
Ask anything about OBT
The research agent reads OBT's filings, financials, insider trades and 13F holders, then answers with sources.