Orange County Bancorp achieved record earnings in Q4 2025, with net income rising to $12.4 million, a 73.5% increase from the previous year. This growth was primarily fueled by strong net interest income, increased noninterest income, and reduced noninterest expenses. The company also saw significant increases in total loans and deposits, alongside improvements in key capital ratios.
Net income for Q4 2025 increased by $5.3 million, or 73.5%, to $12.4 million compared to Q4 2024.
Net interest margin for Q4 2025 grew by 66 basis points to 4.44% from 3.78% in Q4 2024.
Total loans increased by $134.5 million, or 7.4%, to $2.0 billion at year-end 2025.
Book value per share grew by $4.92, or 30.1%, to $21.27 at December 31, 2025.
The company anticipates continued growth and strong performance, leveraging its regional bank strategy, experienced team, and client relationships, while remaining mindful of market volatility and geopolitical risks.
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