Orange County Bancorp, Inc. /DE/
For the period ended Jul 28, 2026. Filed Jul 28, 2026.
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Jul 28, 2026 · Filed Jul 28, 2026
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Contents
EX-99.1 · SELECTED OPERATING DATA
SELECTED OPERATING DATA
(Dollar amounts in thousands)
The following table presents loan composition for the periods indicated.
| At June 30, 2026 | At December 31, 2025 | |||
|---|---|---|---|---|
| Amount | Percent | Amount | Percent | |
| Commercial and industrial | $239,463 | 12.53% | $249,633 | 12.80% |
| Commercial real estate | 1,506,536 | 78.86% | 1,480,062 | 75.89% |
| Commercial real estate construction | 99,594 | 5.22% | 99,262 | 5.09% |
| Residential real estate | 21,432 | 1.12% | 65,290 | 3.35% |
| Home equity | 7,009 | 0.37% | 22,618 | 1.16% |
| Consumer | 36,228 | 1.90% | 33,419 | 1.71% |
| Total loans | 1,910,262 | 100.00% | 1,950,284 | 100.00% |
| Allowance for loan losses | 26,339 | 28,335 | ||
| Total loans, net(1) | $1,883,923 | $1,921,949 | ||
Notes:
(1) During the six months ended June 30, 2026, the Company transferred loan balance of $63.6 million from loans to loans held-for-sale, net of valuation allowance of $4.8 million. At June 30, 2026, the composition of the loans held-for-sale portfolio consisted of $44.0 million residential real estate loans and $19.6 million of home equity loans.
The following table presents deposits by account type for the periods indicated.
| At June 30, 2026 · At December 31, 2025 | ||||||
|---|---|---|---|---|---|---|
| Average | Average | |||||
| Amount | Percent | Rate | Amount | Percent | Rate | |
| Noninterest-bearing demand accounts | $793,908 | 32.66% | 0.00% | $725,656 | 31.41% | 0.00% |
| Interest bearing demand accounts | 490,746 | 20.19% | 0.38% | 419,604 | 18.16% | 0.72% |
| Money market accounts | 255,135 | 10.49% | 1.34% | 646,688 | 27.99% | 1.86% |
| Savings accounts | 855,385 | 35.18% | 1.93% | 359,415 | 15.56% | 1.45% |
| Certificates of deposit | 36,017 | 1.48% | 1.88% | 159,010 | 6.88% | 3.46% |
| Total | $2,431,191 | 100.00% | 0.92% | $2,310,373 | 100.00% | 1.12% |
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