Orange County Bancorp, Inc. (OBT)

Nasdaq: OBT · State Commercial Banks · Middletown, NY · filing with the SEC since 2018

Grade5.7

◀ Past 5.9● Present 4.6▶ Future 6.8

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Report filed	Mar 16, 2026	Mar 17, 2025	Mar 29, 2024	Mar 24, 2023	Mar 30, 2022	·
For lenders
Interest and dividend income	134,982	127,227	117,770	84,223	64,429	53,461
Interest expense on deposits and borrowings	30,926	35,461	29,379	·	·	·
Net interest income	104,056	91,766	88,391	78,088	60,461	48,739
Provision for credit losses	7,748	7,710	7,868	9,517	2,428	5,413
Net interest income after provision	96,308	84,056	80,523	68,571	58,033	43,326
Noninterest income	23,148	15,972	13,419	11,996	12,102	11,423
Noninterest expense	67,900	65,210	56,793	50,290	43,458	40,231
Interest expense	·	·	29,379	6,135	3,968	4,722
Income before income taxes	51,556	34,818	37,149	30,277	26,677	14,518
Income tax expense	9,942	6,935	7,671	5,914	5,390	2,839
Net income including non-controlling interests	41,614	27,883	29,478	24,363	21,287	11,679
Net income	41,614	27,883	29,478	24,363	21,287	11,679
Earnings per share, basic	3.33	2.47	2.62^r	2.165^b	2.14^b	1.295^b
Earnings per share, diluted	3.33	2.47	2.62^r	2.165^b	2.14^b	1.295^b
Weighted average shares, basic	12,508,985	11,303,118	11,258,300^r	11,243,260^b	9,937,384^b	9,017,016^b
Weighted average shares, diluted	12,508,985	11,303,118	11,258,300^r	11,243,260^b	9,937,384^b	9,017,016^b

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.Share counts and per-share figures are on the newest report's basis, after the 2-for-1 split.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLeaseAndOtherLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton OBT · research, not advice