Orange County Bancorp, Inc. (OBT) Quarterly Income Statement

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Orange County Bancorp, Inc. (OBT) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

OBT Income Statement

Orange County Bancorp, Inc. (OBT) annual income statement — 15-year revenue, gross profit & net income history

Metric	Q3'26	Q2'26	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

Net Interest Income	29.92M	28.42M	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
NII Growth %	11.04%	13.05%	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%
Net Interest Margin %	1.09%	1.01%	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%
Interest Income	36.21M	34.55M	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
Interest Expense	6.29M	6.13M	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
Loan Loss Provision	809K	-1.01M	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
Non-Interest Income	5.37M	407K	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
Non-Interest Income %	15.23%	1.41%	0%	14.19%	20.07%	22.49%	15.5%	15.67%	15.28%	13.53%	20.45%	14.35%	12.42%	12.59%	12.94%	11.79%	11.94%	14.44%	14.93%	15.69%
Total Net Revenue	35.3M	28.83M	27.9M	33.03M	33.71M	32.43M	27.96M	27.36M	27.11M	27.89M	27.15M	25.86M	25.69M	25.86M	24.28M	25.88M	24.32M	20.46M	19.21M	19.23M
Revenue Growth %	4.7%	-11.11%	-0.22%	20.7%	24.34%	16.28%	2.98%	5.82%	5.53%	7.87%	11.84%	-0.06%	5.64%	26.35%	26.42%	34.6%	29.54%	16.81%	16.32%	21.66%
Non-Interest Expense	17.23M	15.69M	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
Efficiency Ratio	48.82%	54.41%	62.68%	53.93%	49.89%	51.59%	58.91%	67.41%	58.71%	55.4%	56.26%	56.83%	52.78%	55.75%	57.66%	51.6%	51.51%	60.81%	60.83%	60.67%
Operating Income	17.25M	14.16M	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
Operating Margin %	48.89%	49.11%	37.32%	41.36%	38.62%	41.9%	40.37%	32.77%	14.77%	36.67%	42.78%	41.38%	43.96%	43.42%	16.17%	44.53%	39.92%	12.26%	34.36%	36.5%
Operating Income Growth %	32.55%	4.19%	-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%
Pretax Income	17.25M	11.56M	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
Pretax Margin %	48.89%	40.1%	52.29%	41.36%	38.62%	41.9%	40.37%	32.77%	14.77%	36.67%	42.78%	41.38%	43.96%	43.42%	16.17%	44.53%	39.92%	12.26%	34.36%	36.5%
Income Tax	4.77M	-2.1M	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
Effective Tax Rate %	27.64%	-18.16%	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%
Net Income	12.49M	13.66M	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
Net Margin %	35.38%	47.38%	40.44%	37.63%	29.72%	32.25%	31.13%	26.18%	11.86%	29.44%	34.21%	31.41%	35.18%	35.14%	13.3%	35.05%	32.29%	10.31%	27.75%	28.57%
Net Income Growth %	24.62%	30.57%	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%
Net Income (Continuing)	12.49M	13.66M	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
EPS (Diluted)	0.93	1.02	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
EPS Growth %	24%	17.24%	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%
EPS (Basic)	0.93	1.02	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
Diluted Shares Outstanding	13.38M	13.37M	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