Orange County Bancorp, Inc. filings document the public reporting record for a Nasdaq-listed bank holding company whose common stock is registered under Section 12(b). Current reports furnish earnings releases for the banking and wealth management businesses, cash dividend announcements, investor presentations, and other material events affecting the company and its subsidiaries.
Proxy and governance filings cover director elections, independent auditor ratification, executive compensation arrangements, and annual meeting matters. The filings also identify the company's capital structure, including common stock par value, and present formal disclosures around operating performance, growth strategy, emerging growth company status, and shareholder voting.
Orange County Bancorp reported stronger first‑quarter 2026 results, with net income of $11,284,000, up from $8,704,000 a year earlier. Basic and diluted earnings per share rose to $0.85 from $0.77 on weighted average shares of 13.35 million.
Net interest income increased to $27,901,000 from $23,628,000, helped by higher interest and fees on loans of $29,790,000. The company recorded a credit for loan credit losses of $436,000 versus a $202,000 provision, supporting profit growth.
Total assets reached $2,705,620,000 as of March 31, 2026, slightly above year‑end. Loans were stable at $1,951,963,000, while deposits rose to $2,349,723,000. Noninterest income edged down to $4,177,000, and noninterest expense rose to $17,924,000, reflecting higher salaries and benefits.
Rowley Richard B reported acquisition or exercise transactions in this Form 4 filing.
Orange County Bancorp director Richard B. Rowley reported compensation-related equity activity, not an open-market trade. He received a grant of phantom stock economically equivalent to 279 shares of common stock at $34.10 per share, increasing his phantom stock balance to 25,849 units. He also directly holds 537,134 shares of common stock, which include restricted stock units that vest immediately on grant or on February 19, 2027 and are settled in stock upon separation from service.
Orange County Bancorp, Inc. reported record first quarter 2026 results, with net income rising to $11.3 million, or $0.85 per share, from $8.7 million, or $0.77 per share, a year earlier. Earnings growth was driven by higher net interest income and a recovery in credit loss provisions, partly offset by higher operating expenses.
Net interest income increased to $27.9 million, up 18.1%, as net interest margin expanded to 4.40% from 3.95% on higher loan yields and lower funding costs. Total deposits grew to $2.35 billion, helping keep FHLB borrowings low and boosting cash balances to $257.5 million.
Book value per share increased to $21.75 and tangible book value per share to $21.32, supported by earnings despite higher unrealized losses on securities. Asset quality weakened, with non‑performing loans rising to $26.1 million, or 1.34% of total loans, mainly from a commercial real estate participation loan placed on non‑accrual. Wealth Management assets under management and advisory fell to $1.64 billion from $1.89 billion, reducing fee income. Capital ratios remained strong, including a Tier 1 capital-to-average-assets ratio of 12.80%.
Orange County Bancorp, Inc. is asking stockholders to elect three directors and ratify Crowe LLP as independent auditor at its May 26, 2026 annual meeting in Middletown, New York. Stockholders of record on March 30, 2026, when 13,407,690 shares were outstanding, may vote.
The board is classified into three classes, with Michael J. Gilfeather, Marianna R. Kennedy and Richard B. Rowley nominated for new three-year terms. A majority-independent board, separate chair and CEO roles, anti-hedging policy, and stock ownership guidelines for directors and executives are highlighted governance features.
The proxy details 2025 executive pay, including total compensation of $2,092,482 for CEO Michael J. Gilfeather, $803,502 for Executive Vice President Joseph A. Ruhl and $782,610 for CFO Michael Lesler, combining salary, annual incentives, restricted stock units and retirement-related benefits.
Orange County Bancorp, Inc. director Gregory F. Holcombe received a grant of phantom stock tied to the company’s common shares. On April 1, 2026, he acquired phantom stock economically equivalent to 701 shares of common stock at a reference value of $32.32 per unit, increasing his phantom stock holdings to 24,847 units.
Each phantom stock unit is the economic equivalent of one share of common stock and becomes payable after his separation from service as a director. Following this grant, he also holds 68,824 shares of common stock directly and additional common shares indirectly through a foundation and three trusts, reflecting a sizable, largely long-term equity-based position rather than an open-market trade.
Keane Kevin J reported acquisition or exercise transactions in this Form 4 filing.
Orange County Bancorp director Kevin J. Keane received a compensation-related grant of phantom stock tied to company shares. On April 1, 2026, he was awarded phantom stock economically equivalent to 622 shares of common stock at a reference value of $32.32 per share, increasing his phantom stock balance to 18,102 units.
The phantom stock and restricted stock units vest 100% either on the grant date or on February 19, 2027, and are settled in common shares when he separates from service. Following this grant, he holds 19,266 common shares directly, plus 7,400 shares through a partnership and 832 shares via a 401(k), reflecting primarily long-term incentive and retirement-related holdings rather than open-market trading.
Orange County Bancorp, Inc. director Marianna R. Kennedy received an equity-based award in the form of phantom stock on April 1, 2026. The grant is classified as a grant/award acquisition and is economically equivalent to 175 shares of common stock.
Each share of phantom stock is the economic equivalent of one share of common stock and becomes payable when she separates from service as a director. Following the transaction, she holds 10,089 phantom stock units and 1,466 shares of common stock directly, along with restricted stock units that vest as described in the footnotes.
Rouis Jonathan F reported acquisition or exercise transactions in this Form 4 filing.
Orange County Bancorp director Jonathan F. Rouis reported a grant of phantom stock linked to 139 shares of common stock. The grant is priced at $32.32 per unit and represents a compensation award rather than an open-market trade.
After this grant, Rouis holds 7,222 phantom stock units, which are economically equivalent to common shares and become payable when he leaves board service. He also holds 9,166 common shares directly and 400 common shares indirectly through his spouse, reflecting his overall equity exposure to the company.
Rowley Richard B reported acquisition or exercise transactions in this Form 4 filing.
Orange County Bancorp director Richard B. Rowley received a new phantom stock award linked to 701 shares of common stock. The grant was made at a reference price of $32.32 per phantom share and is structured as compensation, not an open-market trade. Each share of phantom stock is economically equivalent to one share of common stock and becomes payable when he separates from service as a director. After this award, Rowley holds 25,570 phantom stock units and 537,134 shares of common stock directly, reflecting a largely unchanged overall equity position aside from this routine grant.