Orange County Bancorp Posts Record Q3: EPS $0.93, Net Income $12.5M, NIM 4.45%
OBT sits 64% above its 52-week low of $23.245.
Summary
Orange County Bancorp reported record Q3 2026 net income of $12.5 million, or $0.93 per share, up 24.6%, on a 4.45% net interest margin. Non-performing loans rose to 0.98% of total loans from 0.57% at year-end.
Key Events · Earnings and Guidance · OBT
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Record Q3 Earnings
Net income of $12.5 million, or $0.93 per share, up $2.5 million or 24.6% from $10.0 million, or $0.75 per share, a year earlier.
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Margin Expansion
Net interest margin rose 19 basis points to 4.45% from 4.26%, as net interest income increased $2.9 million, or 11.0%, to $29.9 million.
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Credit Quality Deteriorates
Non-performing loans reached $19.4 million, or 0.98% of total loans, versus $11.1 million at December 31, 2025, tied to a commercial real estate participation loan hit by a parent-company bankruptcy.
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Provision Falls Sharply
Provision for credit losses was $809 thousand versus $3.9 million a year ago; the allowance for credit losses to loans slipped to 1.38% from 1.45% at year-end.
Analysis · OBT · Finance
Record quarterly earnings, with EPS up 24.2% and net interest margin expanding 19 basis points to 4.45%, show the core lending franchise earning more on a cheaper deposit base. The offset is credit: non-performing loans rose to $19.4 million, or 0.98% of total loans, from $11.1 million at year-end, driven by a commercial real estate participation loan whose parent went bankrupt. Provision expense fell to $809 thousand from $3.9 million a year ago, so the reserve build is not yet reflecting that deterioration. With the stock near its 52-week high, the market has already priced in much of the earnings strength; the credit trend is the variable that could change that.
How filings like this one have moved
In the 30 days to Oct 28, 2026, 30.7% of the 1698 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was 0.00%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, OBT was trading at $38.10 on NASDAQ in the Finance sector, with a market capitalization of approximately $510.8M. The 52-week trading range was $23.25 to $40.10. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.