Orange County Bancorp OBT

Orange County Bancorp, Inc. is a bank holding company that provides full service commercial and consumer banking products and trust and wealth management services through its wholly owned subsidiaries Orange Bank & Trust Company and Orange Investment Advisors, Inc. The company operates primarily in the Lower Hudson Valley region including Orange, Westchester, Rockland and Bronx Counties in New York as well as nearby markets in Connecticut and New Jersey. It offers a range of deposit accounts, lending solutions, cash management services and fiduciary services to small businesses, middle market enterprises, local municipal governments and individuals. As of December 31, 2025 the company reported total assets of $2.7 billion, loans of $2.0 billion, deposits of $2.3 billion and stockholders’ equity of $284.4 million.

The company generates revenue primarily from interest income earned on its loan portfolio, which includes commercial real estate, commercial and industrial, construction and consumer loans. Additionally, it earns fee based revenue from deposit services such as cash management and municipal deposit accounts, and from wealth management activities including asset management, financial planning and trust administration offered through its investment advisory subsidiary and trust department. These revenue streams are supported by a stable base of low cost core deposits that represent 93.1% of total deposits and a diversified loan mix that yields attractive risk adjusted returns.

The company operates through the following segments.

• Business Banking: This segment provides checking, savings, money market and certificate of deposit accounts, treasury management services and a full suite of commercial loans to small to medium sized businesses, professionals, entrepreneurs and corporate executives.

• Private Banking: This segment offers concierge level banking, lending, asset management and trust services to high net worth individuals and business owners seeking personalized attention for complex financial needs.

• Trust & Wealth Management: This segment delivers traditional trust and administration services, special needs trust and guardianship services, and investment advisory services for individuals, trusts, employer sponsored retirement plans and charitable organizations through the bank’s trust department and the subsidiary OIA.

Within the competitive banking landscape of the Lower Hudson Valley and greater New York metropolitan area, Orange County Bancorp differentiates itself by combining the personal service of a community bank with the product breadth and technology of larger institutions. Its competitive advantages include deep local relationships, rapid decision making, and a strong focus on niche trust and wealth management services that generate stable fee income. The company faces competition from large national banks, regional community banks, credit unions and online lenders, yet it maintains a loyal client base through its relationship driven model.

The company serves small and medium sized businesses, attorneys, other professionals, high net worth individuals, business owners and retail customers across its geographic footprint. It also provides banking services to local municipal governments, school districts, fire departments and other public entities in the Orange, Westchester, Rockland and Bronx Counties area.