Orange County Bancorp reports record Q2 earnings of $13.7M, up 31% on margin expansion

Filed July 28, 2026 · Period ending July 28, 2026 · ~1 min read

Key Changes

• high

  Net income rose 30.6% to $13.7M ($1.02/share) from $10.5M ($0.87/share) in Q2 2025, driven by net interest margin expansion to 4.44% and a one-time $5.3M deferred tax valuation allowance reversal.

  Exhibit 99.1 view on EDGAR →
• high

  Net interest margin expanded 38 basis points to 4.44% from 4.06% year-over-year, as average deposit costs fell 35 basis points to 0.96% while loan yields rose 3 basis points to 6.03%.

  Exhibit 99.1 view on EDGAR →
• high

  Deposits grew $120.8M to $2.4B, with $104.4M growth in savings and money market accounts offsetting a $123.0M reduction in higher-cost brokered certificates of deposit.

  Exhibit 99.1 view on EDGAR →