Orange County Bancorp, Inc. /DE/
For the period ended Oct 28, 2026. Filed Oct 28, 2026.
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Oct 28, 2026 · Filed Oct 28, 2026
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Contents
EX-99 · SELECTED OPERATING DATA
SELECTED OPERATING DATA
(Dollar amounts in thousands)
The following table presents loan composition for the periods indicated.
| At September 30, 2026 | At December 31, 2025 | |||
|---|---|---|---|---|
| Amount | Percent | Amount | Percent | |
| Commercial and industrial | $243,652 | 12.39% | $249,633 | 12.80% |
| Commercial real estate | 1,529,625 | 77.77% | 1,480,062 | 75.89% |
| Commercial real estate construction | 114,160 | 5.80% | 99,262 | 5.09% |
| Residential real estate | 22,789 | 1.16% | 65,290 | 3.35% |
| Home equity | 9,558 | 0.49% | 22,618 | 1.16% |
| Consumer | 47,053 | 2.39% | 33,419 | 1.71% |
| Total loans | 1,966,837 | 100.00% | 1,950,284 | 100.00% |
| Allowance for loan losses | 27,189 | 28,335 | ||
| Total loans, net(1) | $1,939,648 | $1,921,949 | ||
Notes:
(1)During the nine months ended September 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. During the nine months ended September 30, 2026, the Company sold $18.4 million of home equity loans from the loans held-for-sale portfolio. As of September 30, 2026, the loans held-for-sale portfolio consisted of approximately $42.6 million of residential real estate loans, net of valuation allowance of $4.5 million.
The following table presents deposits by account type for the periods indicated.
| At September 30, 2026 · At December 31, 2025 | ||||||
|---|---|---|---|---|---|---|
| Average | Average | |||||
| Amount | Percent | Rate | Amount | Percent | Rate | |
| Noninterest-bearing demand accounts | $776,773 | 32.83% | 0.00% | $725,656 | 31.41% | 0.00% |
| Interest bearing demand accounts | 385,630 | 16.30% | 0.17% | 419,604 | 18.16% | 0.72% |
| Money market accounts | 247,846 | 10.47% | 1.35% | 646,688 | 27.99% | 1.86% |
| Savings accounts | 923,380 | 39.02% | 2.04% | 359,415 | 15.56% | 1.45% |
| Certificates of deposit | 32,711 | 1.38% | 1.83% | 159,010 | 6.88% | 3.46% |
| Total | $2,366,340 | 100.00% | 0.99% | $2,310,373 | 100.00% | 1.12% |
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