Orange County Bancorp, Inc. reported a significant increase in its financial performance for the fiscal year ending December 31, 2025, with net income rising to $41.6 million, a 49.2% increase from $27.9 million in 2024. This growth was primarily driven by a 13.4% increase in net interest income, which reached $104.1 million, supported by a rise in average interest-earning assets and a favorable shift in the net interest margin to 4.18%. The company also experienced a 44.9% increase in noninterest income, totaling $23.1 million, attributed to higher fees from investment advisory services and trust income.
The company's total assets grew to $2.7 billion, up 6% from the previous year, largely due to a $132.3 million increase in net loans, which reached $1.9 billion. The loan portfolio was bolstered by a 8.7% increase in commercial real estate loans and a 22.6% rise in commercial real estate construction loans. Deposits also saw a 7.3% increase, totaling $2.3 billion, with noninterest-bearing demand deposits growing significantly, reflecting the bank's focus on expanding its customer base and enhancing its deposit relationships.
Operationally, Orange County Bancorp continued to expand its geographic footprint, particularly in Rockland and Westchester Counties, which are seen as key growth markets. The bank opened a new branch in the Bronx in 2025, further solidifying its presence in the Lower Hudson Valley and New York metropolitan areas. The company reported a total employee count of 235, reflecting its commitment to maintaining a strong workforce to support its growth initiatives.
The outlook for Orange County Bancorp remains positive, with management expressing confidence in the bank's ability to capitalize on growth opportunities in its markets. The company plans to continue enhancing its technology resources and expanding its product offerings, particularly in commercial lending and wealth management services. However, the bank also acknowledged potential risks, including economic downturns in its primary markets and the impact of regulatory changes on its operations. Overall, the company is well-positioned to sustain its growth trajectory while managing the associated risks effectively.
About Orange County Bancorp, Inc. /DE/
Orange County Bancorp, Inc. is a bank holding company providing community-focused banking, trust, and wealth management services in the Lower Hudson Valley. Through its subsidiaries, it offers commercial, consumer, and municipal banking, along with asset management and trust services. The company emphasizes personalized service, relationship banking, and diversified loan and deposit portfolios to serve small to medium-sized businesses, high-net-worth clients, and local governments.
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