Orange County Bancorp, Inc.

Orange County Bancorp, Inc. is a bank holding company incorporated in Delaware in 2007 and based in Middletown, New York. Through its wholly-owned subsidiaries, Orange Bank & Trust Company and Orange Investment Advisors, Inc. (OIA), the company provides commercial and consumer banking products and services, as well as trust and wealth management services. These services are offered to small businesses, middle-market enterprises, local municipal governments, and individuals in the Lower Hudson Valley region, the New York metropolitan area, and nearby markets in Connecticut and New Jersey. The company's main office is located at 212 Dolson Avenue, Middletown, New York 10940. The company offers various deposit accounts for businesses and consumers, including checking accounts and a full range of municipal banking accounts. It operates 16 branch offices and one loan production office. As of December 31, 2025, the company's total assets were $2.7 billion, loans were $2.0 billion, deposits were $2.3 billion, and stockholders' equity was $284.4 million. The trust department of Orange Bank & Trust Company and OIA collectively managed $1.9 billion in assets as of December 31, 2025. As a bank holding company, Orange County Bancorp, Inc. is supervised by the Board of Governors of the Federal Reserve System. Orange Bank & Trust Company, as a state-chartered trust company and Federal Reserve System member, is primarily supervised by the New York State Department of Financial Services and the Federal Reserve Board.