The third consecutive quarter of record earnings with expanding NIM and lower credit costs reinforces the bank's operating momentum. Watch for continued loan growth and NIM trajectory, as well as the resolution of the elevated non-performing loan balance from the CRE participation loan.
Price Chart
Executive Summary
Orange County Bancorp reported record Q3 2026 net income of $12.5M ($0.93 EPS), up 24.6% from $10.0M ($0.75 EPS) a year ago, driven by higher net interest income and a lower provision for credit losses. Net interest margin expanded 19 bps to 4.45%, and deposits grew 2.4% to $2.4B, while non-performing loans rose to 0.98% of total loans from 0.57% at year-end 2025.
Key Financial Metrics
Key Facts
- Q3 2026 net income of $12.5M, up 24.6% YoY from $10.0M
- EPS of $0.93, up 24.2% from $0.75 YoY, above the $0.82 consensus estimate
- Net interest margin expanded 19 bps to 4.45% from 4.26% YoY
- Net interest income rose 11.0% to $29.9M from $27.0M YoY
- Provision for credit losses was $0.8M vs $3.9M in Q3 2025
- Total deposits grew $56.0M to $2.4B, up 2.4% YoY
- Non-performing loans increased to $19.4M (0.98% of loans) from $11.1M (0.57%) at Dec 2025
- Book value per share grew 8.3% to $23.04 from $21.27 at Dec 2025
- Efficiency ratio improved to 48.8% from 49.9% YoY
Financial Impact
Net income increased $2.5M (24.6%) to $12.5M; EPS beat consensus by $0.11 (13.4%)
Risk Factors
- Non-performing loans rose to 0.98% of total loans from 0.57% at year-end 2025, driven by a CRE participation loan in bankruptcy
- AOCI losses deepened to $(57.6)M from $(47.8)M at Dec 2025 due to higher unrealized losses on securities
- Wealth Management AUM declined 13.0% to $1.6B from $1.9B at Dec 2025
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000943374-26-000458 |
| Document: obt-20261028.htm | 0000943374-26-000458 |
| Document: 0000943374-26-000458-index-headers.html | 0000943374-26-000458 |
| Document: 0000943374-26-000458-index.html | 0000943374-26-000458 |
| Document: 0000943374-26-000458.txt | 0000943374-26-000458 |
| 8-K Data (Synthetic) | 0000943374-26-000458 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 28, 2026 2d ago | 8-K | No price | awaiting T+1 | awaiting T+1 | No price |
Oct 28, 2026 2d ago | Press Release | $38.58 $38.69 | ▲ +0.29% | ▲ +2.06% | $38.69 (+0.29%) |
Oct 27, 2026 3d ago | SC 13G/A | $38.10 $38.58 | ▲ +1.26% | ▲ +1.64% | $38.69 (+1.55%) |
Aug 5, 2026 12w ago | Insider Cluster | $38.89 $38.39 | ▼ −1.29% | ▼ −1.13% | $38.69 (−0.51%) |
Jul 28, 2026 13w ago | Press Release | $38.57 $37.77 | ▼ −2.07% | ▼ −3.75% | $38.69 (+0.31%) |
May 22, 2026 23w ago | 8-K | $34.27 $33.89 | ▼ −1.13% | ▼ −1.14% | $38.69 (+12.88%) |
Apr 28, 2026 26w ago | 8-K | $33.86 $33.92 | ▲ +0.18% | ▼ −0.85% | $38.69 (+14.28%) |
US Market Status
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