Orange County Bancorp, Inc. (OBT) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 27.9M | 28.34M | 26.95M | 25.14M | 23.63M | 23.08M | 22.97M | 24.12M | 21.6M | 22.15M | 22.5M | 22.6M | 21.14M | 22.82M | 21.41M | 17.51M | 16.34M | 16.21M | 15.88M | 14.63M |
| NII Growth % | 18.08% | 22.81% | 17.32% | 4.23% | 9.38% | 4.19% | 2.08% | 6.71% | 2.19% | -2.96% | 5.07% | 29.09% | 29.38% | 40.82% | 34.86% | 19.66% | 18.92% | 25.76% | 27.22% | 24.2% |
| Net Interest Margin % | 1.03% | 1.07% | 1.02% | 0.96% | 0.92% | 0.92% | 0.91% | 0.97% | 0.88% | 0.89% | 0.92% | 0.91% | 0.86% | 1% | 0.9% | 0.73% | 0.72% | 0.76% | 0.73% | 0.71% |
| Interest Income | 34.42M | 35.32M | 34.53M | 33.22M | 31.91M | 32.21M | 31.44M | 32.51M | 31.07M | 31.57M | 30.1M | 29.74M | 26.36M | 25.63M | 22.84M | 18.48M | 17.27M | 17.15M | 16.86M | 15.66M |
| Interest Expense | 6.52M | 6.98M | 7.58M | 8.08M | 8.28M | 9.13M | 8.47M | 8.39M | 9.47M | 9.42M | 7.6M | 7.14M | 5.22M | 2.8M | 1.43M | 975K | 931K | 940K | 980K | 1.03M |
| Loan Loss Provision | 0 | 1.56M | 3.88M | 2.11M | 202K | -51K | 7.19M | 2.21M | 260K | 462K | 837K | 214K | 6.36M | 1M | 2.08M | 5.51M | 923K | 545K | 1.01M | 809K |
| Non-Interest Income | 0 | 4.69M | 6.76M | 7.29M | 4.33M | 4.29M | 4.14M | 3.77M | 5.55M | 3.71M | 3.19M | 3.26M | 3.14M | 3.05M | 2.9M | 2.96M | 2.87M | 3.02M | 2.89M | 2.89M |
| Non-Interest Income % | 0% | 11.72% | 16.38% | 18% | 11.96% | 11.75% | 11.65% | 10.4% | 15.16% | 10.52% | 9.58% | 9.87% | 10.65% | 10.64% | 11.28% | 13.79% | 14.24% | 14.96% | 14.65% | 15.57% |
| Total Revenue | 34.42M | 40.01M | 41.29M | 40.52M | 36.24M | 36.49M | 35.58M | 36.29M | 36.63M | 35.28M | 33.29M | 33M | 29.5M | 28.68M | 25.75M | 21.44M | 20.14M | 20.16M | 19.75M | 18.55M |
| Revenue Growth % | -5.03% | 9.64% | 16.06% | 11.66% | -1.05% | 3.44% | 6.88% | 9.97% | 24.13% | 23.01% | 29.3% | 53.9% | 46.52% | 42.23% | 30.33% | 15.6% | 14.85% | 19.07% | 20.55% | 17.04% |
| Non-Interest Expense | 17.49M | 17.81M | 16.82M | 16.73M | 16.47M | 18.45M | 15.92M | 15.45M | 15.28M | 14.7M | 13.56M | 14.42M | 14M | 13.35M | 12.53M | 12.45M | 11.68M | 11.66M | 10.84M | 10.26M |
| Efficiency Ratio | 50.81% | 44.52% | 40.73% | 41.29% | 45.45% | 50.55% | 44.74% | 42.59% | 41.71% | 41.66% | 40.73% | 43.69% | 47.45% | 46.56% | 48.66% | 58.05% | 58.02% | 57.84% | 54.87% | 55.33% |
| Operating Income | 10.41M | 13.66M | 13.02M | 13.59M | 11.29M | 8.97M | 4M | 10.23M | 11.62M | 10.7M | 11.29M | 11.23M | 3.93M | 11.52M | 9.71M | 2.51M | 6.6M | 7.02M | 6.96M | 6.45M |
| Operating Margin % | 30.25% | 34.14% | 31.53% | 33.54% | 31.15% | 24.57% | 11.25% | 28.19% | 31.72% | 30.34% | 33.93% | 34.03% | 13.31% | 40.18% | 37.71% | 11.71% | 32.78% | 34.8% | 35.23% | 34.78% |
| Operating Income Growth % | -7.75% | 52.33% | 225.12% | 32.85% | -2.83% | -16.2% | -64.55% | -8.89% | 195.9% | -7.13% | 16.33% | 347.29% | -40.52% | 64.23% | 39.5% | -61.09% | 5.6% | 56.14% | 92.11% | 80.52% |
| Pretax Income | 14.59M | 13.66M | 13.02M | 13.59M | 11.29M | 8.97M | 4M | 10.23M | 11.62M | 10.7M | 11.29M | 11.23M | 3.93M | 11.52M | 9.71M | 2.51M | 6.6M | 7.02M | 6.93M | 6.45M |
| Pretax Margin % | 42.39% | 34.14% | 31.53% | 33.54% | 31.15% | 24.57% | 11.25% | 28.19% | 31.72% | 30.34% | 33.93% | 34.03% | 13.31% | 40.18% | 37.71% | 11.71% | 32.78% | 34.8% | 35.07% | 34.78% |
| Income Tax | 3.31M | 1.23M | 3M | 3.13M | 2.58M | 1.8M | 788K | 2.02M | 2.33M | 2.58M | 2.26M | 2.14M | 696K | 2.45M | 1.86M | 400K | 1.27M | 1.52M | 1.35M | 1.26M |
| Effective Tax Rate % | 22.66% | 9.01% | 23.04% | 23.02% | 22.89% | 20.12% | 19.68% | 19.71% | 20.03% | 24.09% | 19.98% | 19.07% | 17.73% | 21.29% | 19.12% | 15.94% | 19.24% | 21.72% | 19.5% | 19.49% |
| Net Income | 11.28M | 12.43M | 10.02M | 10.46M | 8.7M | 7.16M | 3.22M | 8.21M | 9.29M | 8.12M | 9.04M | 9.09M | 3.23M | 9.07M | 7.85M | 2.11M | 5.33M | 5.49M | 5.58M | 5.19M |
| Net Margin % | 32.78% | 31.07% | 24.26% | 25.82% | 24.02% | 19.63% | 9.04% | 22.63% | 25.36% | 23.03% | 27.15% | 27.54% | 10.95% | 31.62% | 30.5% | 9.84% | 26.47% | 27.24% | 28.23% | 28% |
| Net Income Growth % | 29.64% | 73.51% | 211.54% | 27.37% | -6.31% | -11.82% | -64.42% | -9.61% | 187.62% | -10.43% | 15.09% | 330.62% | -39.4% | 65.12% | 40.84% | -59.37% | 6.07% | 51.32% | 91.42% | 80.44% |
| Net Income (Continuing) | 11.28M | 12.43M | 10.02M | 10.46M | 8.7M | 7.16M | 3.22M | 8.21M | 9.29M | 8.12M | 9.04M | 9.09M | 3.23M | 9.07M | 7.85M | 2.11M | 5.33M | 5.49M | 5.58M | 5.19M |
| EPS (Diluted) | 0.85 | 0.93 | 0.75 | 0.87 | 0.77 | 0.63 | 0.28 | 0.73 | 0.82 | 0.72 | 0.80 | 0.81 | 0.29 | 0.81 | 0.70 | 0.19 | 0.47 | 0.49 | 0.53 | 0.58 |
| EPS Growth % | 10.39% | 47.62% | 167.86% | 19.18% | -6.1% | -12.5% | -65% | -9.88% | 182.76% | -11.11% | 14.29% | 326.32% | -38.3% | 65.31% | 32.08% | -67.24% | -16.07% | 22.5% | 65.63% | 81.25% |
| EPS (Basic) | 0.85 | 0.93 | 0.75 | 0.87 | 0.77 | 0.63 | 0.28 | 0.73 | 0.82 | 0.72 | 0.80 | 0.81 | 0.29 | 0.81 | 0.70 | 0.19 | 0.47 | 0.49 | 0.53 | 0.58 |
| Diluted Shares Outstanding | 13.35M | 13.34M | 13.34M | 11.67M | 11.33M | 11.3M | 11.31M | 11.28M | 11.27M | 11.26M | 11.26M | 11.26M | 11.25M | 11.25M | 11.25M | 11.24M | 11.27M | 11.27M | 10.5M | 8.98M |