Filing Flows › Orange County Bancorp (OBT) › How it makes money
How Orange County Bancorp (OBT) makes money
Orange County Bancorp (OBT) made $35.3M of revenue in the third quarter 2026 (Q3 2026), +5% from a year earlier. Net interest income brought in $29.9M (85%); Noninterest income brought in $5.4M (15%). Of every dollar of revenue, 49¢ was left as operating profit, 35¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $29.9M | 84.8% | +5% | +11% |
| Noninterest income | $5.4M | 15.2% | — | -21% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $35.3M | 100.0% |
| Operating profit | $17.3M | 48.9% |
| Income tax | $4.8M | 13.5% |
| Net earnings | $12.5M | 35.4% |
| Operating cash flow | $26.6M | 75.5% |
| Free cash flow | $26.5M | 75.1% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $35.3M | +5% |
From Orange County Bancorp's 10-Q filed Nov 9, 2026 (on EDGAR).
Questions
How does Orange County Bancorp make money?
Orange County Bancorp (OBT) made $35.3M of revenue in the third quarter 2026 (Q3 2026), +5% from a year earlier. Net interest income brought in $29.9M (85%); Noninterest income brought in $5.4M (15%). Of every dollar of revenue, 49¢ was left as operating profit, 35¢ was left as net earnings.
What is Orange County Bancorp's biggest business?
Net interest income: $29.9M in the third quarter 2026, 85% of revenue, +11% from a year earlier.
What is Orange County Bancorp's profit margin?
Net earnings were $12.5M, 35.4% of revenue, in the third quarter 2026; the operating margin was 48.9%.
Updated Nov 9, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.