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 · NET INTEREST MARGIN ANALYSIS
NET INTEREST MARGIN ANALYSIS
(Dollar Amounts in thousands)
| For the Three Months Ended September 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) | $1,995,413 | $31,108 | 6.19% | $1,931,061 | $29,839 | 6.13% |
| Investment securities available for sale | 394,461 | 2,802 | 2.82% | 415,885 | 3,039 | 2.90% |
| Cash and due from banks and other | 270,843 | 2,213 | 3.24% | 153,411 | 1,542 | 3.99% |
| Restricted stock | 6,018 | 83 | 5.47% | 7,452 | 108 | 5.75% |
| Total interest-earning assets | 2,666,735 | 36,206 | 5.39% | 2,507,809 | 34,528 | 5.46% |
| Noninterest-earning assets | 96,983 | 104,392 | ||||
| Total assets | $2,763,718 | $2,612,201 | ||||
| Interest-bearing liabilities: | ||||||
| Interest-bearing demand deposits | $415,994 | $265 | 0.25% | $425,824 | $630 | 0.59% |
| Money market deposits | 413,972 | 1,524 | 1.46% | 695,959 | 3,642 | 2.08% |
| Savings deposits | 741,467 | 3,808 | 2.04% | 326,787 | 1,224 | 1.49% |
| Certificates of deposit | 33,804 | 159 | 1.87% | 96,762 | 852 | 3.49% |
| Total interest-bearing deposits | 1,605,237 | 5,756 | 1.42% | 1,545,332 | 6,348 | 1.63% |
| FHLB Advances and other borrowings | 10,000 | 100 | 3.97% | 55,082 | 616 | 4.44% |
| Subordinated notes | 24,611 | 429 | 6.92% | 20,560 | 617 | 11.91% |
| Total interest-bearing liabilities | 1,639,848 | 6,285 | 1.52% | 1,620,974 | 7,581 | 1.86% |
| Noninterest-bearing demand deposits | 782,380 | 702,697 | ||||
| Other noninterest-bearing liabilities | 29,863 | 28,529 | ||||
| Total liabilities | 2,452,091 | 2,352,200 | ||||
| Total stockholders’ equity | 311,627 | 260,001 | ||||
| Total liabilities and stockholders’ equity | $2,763,718 | $2,612,201 | ||||
| Net interest income | $29,921 | $26,947 | ||||
| Net interest rate spread (2) | 3.87% | 3.61% | ||||
| Net interest margin (3) | 4.45% | 4.26% | ||||
| Average interest-earning assets to interest-bearing liabilities | 162.6% | 154.7% | ||||
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.
Certain reclassification has been made to the amounts within interest-earning assets to conform to the current-period presentation. These reclassifications had no effect on previously reported net income or stockholders’ equity.
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.