Orange County Bancorp, Inc.: directors' dealings · United States · SEC (Form 4)

About Orange County Bancorp, Inc.

Orange County Bancorp, Inc. is a U.S.-listed bank holding company traded on the NASDAQ under the ticker OBT and incorporated in Delaware (/DE/). Its business is primarily conducted through Orange Bank & Trust Company, complemented by Orange Investment Advisors, a registered investment advisory and wealth-management platform. For international investors, the company fits the profile of a U.S. regional/community bank: relationship-driven, locally managed, and focused on serving businesses, municipalities, and private clients in a defined geography rather than competing as a national money-center bank. The company is headquartered in Middletown, Orange County, New York, in the Hudson Valley. Management and company materials state that the banking franchise dates back to 1892, giving the institution a long operating history and a deeply rooted local brand. Orange County Bancorp operates through two core segments: banking and wealth management. The banking segment includes commercial lending, residential one- to four-family mortgages, consumer loans, and a diversified deposit base across retail, commercial, and municipal relationships. The company also emphasizes private banking and municipal banking services, which are important in a market where relationship banking and local decision-making can be a competitive advantage. The wealth-management segment includes trust services, investment management, financial planning, and advisory capabilities delivered through Orange Bank & Trust Company and Orange Investment Advisors. This second leg of the business is strategically relevant because it adds fee income and reduces dependence on net interest income alone. In competitive terms, Orange County Bancorp is positioned as a community bank with a high-touch service model, local credit expertise, and faster decision-making than larger, more centralized institutions. That positioning is particularly relevant for small and mid-sized businesses, municipalities, professionals, and affluent households in its core markets. The company indicates that it operates 16 branch offices and one loan production office, with its footprint centered in Orange County and extended into nearby New York markets including Rockland, Westchester, and the Bronx. This localized franchise supports core deposit gathering and relationship lending. Recent developments indicate that the company remains in growth mode. In its latest annual reporting, Orange County Bancorp disclosed approximately $2.7 billion in assets, $2.0 billion in loans, $2.3 billion in deposits, and $284.4 million in stockholders’ equity at year-end 2025. Assets under management or administration were about $1.9 billion. In 2025, Orange Bank & Trust also celebrated the opening of its newly renovated Middletown headquarters, reinforcing both its heritage and its investment in its flagship market. The company also highlighted continued growth in its wealth-management business and regional expansion. Overall, Orange County Bancorp remains a niche but established regional financial institution in the United States, combining community banking, trust services, and wealth management on the NASDAQ-listed market.