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 · NET INTEREST MARGIN ANALYSIS
NET INTEREST MARGIN ANALYSIS
(Dollar Amounts in thousands)
| For the Three Months Ended June 30, | ||||||
|---|---|---|---|---|---|---|
| 2026 · 2025 | ||||||
| Average · Average · Average · Average | ||||||
| Outstanding · Yield/ · Outstanding · Yield/ | ||||||
| Balance | Interest | Cost | Balance | Interest | Cost | |
| (Dollars in thousands) | ||||||
| Interest-earning assets: | ||||||
| Loans(1) | $1,969,467 | $29,625 | 6.03% | $1,879,758 | $28,103 | 6.00% |
| Investment securities available for sale | 403,523 | 2,875 | 2.86% | 432,657 | 3,083 | 2.86% |
| Cash and due from banks and other | 191,027 | 1,979 | 4.16% | 167,987 | 1,829 | 4.37% |
| Restricted stock | 6,179 | 71 | 4.62% | 5,773 | 209 | 14.52% |
| Total interest-earning assets | 2,570,196 | 34,550 | 5.39% | 2,486,175 | 33,224 | 5.36% |
| Noninterest-earning assets | 119,178 | 104,019 | ||||
| Total assets | $2,689,374 | $2,590,194 | ||||
| Interest-bearing liabilities: | ||||||
| Interest-bearing demand deposits | $442,309 | $454 | 0.41% | $397,476 | $489 | 0.49% |
| Money market deposits | 402,356 | 1,415 | 1.41% | 702,607 | 3,721 | 2.12% |
| Savings deposits | 694,687 | 3,439 | 1.99% | 301,586 | 1,046 | 1.39% |
| Certificates of deposit | 44,518 | 256 | 2.31% | 221,363 | 2,222 | 4.03% |
| Total interest-bearing deposits | 1,583,870 | 5,564 | 1.41% | 1,623,032 | 7,478 | 1.85% |
| FHLB Advances and other borrowings | 13,606 | 134 | 3.95% | 34,341 | 375 | 4.38% |
| Subordinated notes | 24,587 | 430 | 7.01% | 19,615 | 231 | 4.72% |
| Total interest-bearing liabilities | 1,622,063 | 6,128 | 1.52% | 1,676,988 | 8,084 | 1.93% |
| Noninterest-bearing demand deposits | 740,345 | 670,150 | ||||
| Other noninterest-bearing liabilities | 29,423 | 27,436 | ||||
| Total liabilities | 2,391,831 | 2,374,574 | ||||
| Total stockholders’ equity | 297,543 | 215,620 | ||||
| Total liabilities and stockholders’ equity | $2,689,374 | $2,590,194 | ||||
| Net interest income | $28,422 | $25,140 | ||||
| Net interest rate spread(2) | 3.87% | 3.43% | ||||
| Net interest margin(3) | 4.44% | 4.06% | ||||
| Average interest-earning assets to interest-bearing liabilities | 158.5% | 148.3% | ||||
Notes:
(1) Includes loans held-for-sale.
(2) The interest rate spread is the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.
(3) Net interest margin is the annualized net interest income divided by average interest-earning assets.
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