Orange County Bancorp, Inc.

Orange County Bancorp, Inc. is a bank holding company that provides commercial and consumer banking products and services through its subsidiaries. It operates in three segments: Business Banking, Private Banking, and Trust & Wealth Management. The company accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certificates of deposit. On the lending side, it offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans, and consumer loans. Additionally, it provides traditional trust and administration, asset management, financial planning, and wealth management services, as well as treasury management services. Its products are tailored to small businesses, middle-market enterprises, local municipal governments, and individuals.

Orange County Bancorp, Inc. is listed on the Nasdaq Capital Market (NasdaqCM) under the ticker symbol OBT. The company's financial reporting and stock trading are denominated in US Dollars (USD), reflecting its operations based in the United States. As a regional bank holding company, its stock is traded on a major US exchange, providing liquidity and visibility to investors interested in the financial services sector.

Orange County Bancorp, Inc. operates in the Financial Services sector and is specifically classified under the Banks - Regional industry. This means it is a regional bank that focuses on providing banking and financial services to local communities and businesses within a specific geographic area. As a regional bank, it competes with both larger national banks and smaller community banks, offering a range of deposit and loan products, as well as wealth management services. Its industry classification highlights its role in supporting regional economic growth through lending and financial intermediation.

Orange County Bancorp, Inc. is headquartered in Middletown, New York, and has a long history dating back to its founding in 1892. The company serves customers in Orange, Westchester, Rockland, and Bronx counties in New York. It operates full-service branches and a loan production office within these counties, focusing on small businesses, middle-market enterprises, local municipal governments, and individuals. Its geographic concentration in the Hudson Valley and New York City metro area allows it to leverage local relationships and provide personalized banking services to its community.

Orange County Bancorp generates revenue primarily through its three business segments: Business Banking, Private Banking, and Trust & Wealth Management. In the Business Banking and Private Banking segments, it earns net interest income from the spread between interest earned on loans (such as commercial real estate, commercial and industrial, residential real estate, and consumer loans) and interest paid on deposits (including checking, savings, money market accounts, and certificates of deposit). Additionally, it generates non-interest income from fees and service charges on deposit accounts, treasury management services, and other banking services. The Trust & Wealth Management segment contributes revenue through fees for traditional trust and administration, asset management, financial planning, and wealth management services. By serving a mix of retail and commercial clients, the company diversifies its income streams.