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Orange County Bancorp, Inc. key statistics and ratios

In fiscal 2025, Orange County Bancorp, Inc. had return on equity of 17.7% and a net margin of 32.7%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin19.4%29.3%27.0%29.0%25.9%32.7%37.4%
Return on equity8.6%13.4%15.2%19.4%15.9%17.7%16.0%
Return on assets0.7%1.1%1.1%1.2%1.1%1.6%1.7%
Effective tax rate19.6%20.2%19.5%20.6%19.9%19.3%10.3%
Dividends ÷ net income30.7%18.9%19.2%17.6%19.1%17.1%18.9%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: MRBK vs OBTINBK vs OBTBWFG vs OBT

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Orange County Bancorp, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Orange County Bancorp, Inc.