Short answer
Orange County Bancorp, Inc. /DE/ (OBT) filed its Q3 2025 10-Q quarterly report on Nov 10, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $35M (up 9.8% year over year) with net income of $10M.
Q3 2025 key financials · XBRL
- Revenue
- $35M
- +9.8% YoY · +3.9% QoQ
- Net income
- $10M
- +211.5% YoY · −4.2% QoQ
- EPS (diluted)
- $0.75
- +31.6% YoY · −13.8% QoQ
Source: XBRL data from the Orange County Bancorp, Inc. /DE/ (OBT) Q3 2025 10-Q on SEC EDGAR. USD.
Orange County Bancorp, Inc. /DE/ Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Total assets $2.6B, up $126.5M or 5.0% from December 31, 2024
- Net loans $1.9B, up $116.7M or 6.5%, led by commercial real estate growth of $90.5M
- Cash $189.9M, up $39.6M or 26.3%, following a $46.0M common stock offering
- Nonperforming loans $12.2M, up from $6.3M, with ratio 0.63% vs 0.35%
- Outlook: possible further rate reductions during 2026, continued net interest margin pressure from competition
Risk Factors
- No material changes to 2024 Form 10-K risk factors
- Regulatory and compliance risks unchanged from the 2024 Annual Report
- Banking operational risks remain carried forward from the 2024 Form 10-K
- Liquidity and financial risks remain unchanged from the 2024 Annual Report
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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