Orange County Bancorp, Inc. (OBT): Business Model Canvas

Eingebettet im Herzen von Orange County, New York, entwickelt sich Orange County Bancorp, Inc. (OBT) zu einem dynamischen Finanzkraftwerk, das durch sein innovatives Business Model Canvas das lokale Bankwesen neu definiert. Durch die nahtlose Verbindung von traditionellem, gemeinschaftsorientiertem Banking mit modernsten digitalen Lösungen hat OBT einen einzigartigen Ansatz entwickelt, der die Art und Weise verändert, wie lokale Unternehmen und Privatpersonen Finanzdienstleistungen erleben. Dieser strategische Entwurf offenbart ein ausgeklügeltes Modell, das über bloße Transaktionen hinausgeht und ein umfassendes Ökosystem personalisierter Bankerlebnisse schafft, die sich an die sich entwickelnden Bedürfnisse der vielfältigen Wirtschaftslandschaft von Orange County anpassen.

Orange County Bancorp, Inc. (OBT) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Unternehmen und gewerbliche Kunden in der Region Orange County

Im vierten Quartal 2023 unterhielt Orange County Bancorp 237 aktive Geschäftskundenbeziehungen in der Region Orange County, New York.

Kategorie „Partnerschaft“.	Anzahl der Partnerschaften	Gesamtgeschäftsvolumen
Lokale Kleinunternehmen	142	53,4 Millionen US-Dollar
Mittelständische Handelsunternehmen	65	87,6 Millionen US-Dollar
Professionelle Dienstleistungsunternehmen	30	22,1 Millionen US-Dollar

Partner für Hypothekendarlehen und Immobilienentwicklung

Orange County Bancorp arbeitet mit 24 regionalen Immobilienentwicklungspartnern zusammen.

• Immobilienentwickler im Hudson Valley: 12 Partnerschaften
• Wohnungsbauunternehmen: 8 Partnerschaften
• Gewerbeimmobilienentwickler: 4 Partnerschaften

Gemeinschaftliche Investitions- und Wirtschaftsentwicklungsorganisationen

Organisationstyp	Einzelheiten zur Partnerschaft	Jährliche Investition
Lokale Wirtschaftsentwicklungsagenturen	3 aktive Partnerschaften	1,2 Millionen US-Dollar
Community-Reinvestitionsprogramme	2 Gemeinschaftsinitiativen	$750,000

Regionale Finanzdienstleister und Technologieanbieter

Technologie- und Serviceanbieterpartnerschaften ab 2024:

• Anbieter von Kernbankensoftware: Jack Henry & Mitarbeiter
• Digitale Banking-Plattform: Fiserv
• Anbieter für Cybersicherheit: Symantec
• Zahlungsabwicklungspartner: FIS Global

Anbieterkategorie	Anzahl der Anbieter	Jährliche Technologieinvestition
Kernbankentechnologie	3	2,1 Millionen US-Dollar
Cybersicherheitslösungen	2	1,4 Millionen US-Dollar
Digitale Banking-Plattformen	2	1,8 Millionen US-Dollar

Orange County Bancorp, Inc. (OBT) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

Im vierten Quartal 2023 meldete Orange County Bancorp Gesamtkredite in Höhe von 1,38 Milliarden US-Dollar, wobei gewerbliche Kredite etwa 68 % des Portfolios ausmachten. Die Bank unterhält 14 Full-Service-Filialen im gesamten Bundesstaat New York.

Kategorie Bankdienstleistungen	Gesamtwert des Portfolios	Prozentsatz der Gesamtkredite
Kommerzielle Kreditvergabe	938,4 Millionen US-Dollar	68%
Verbraucherkredite	441,6 Millionen US-Dollar	32%

Hypothekendarlehen und -vergabe

Im Jahr 2023 nahm die Bank Hypothekendarlehen in Höhe von 214,3 Millionen US-Dollar auf, was einer Steigerung von 12 % gegenüber dem Vorjahr entspricht.

• Vergabe von Wohnhypotheken: 187,2 Millionen US-Dollar
• Vergabe gewerblicher Hypotheken: 27,1 Millionen US-Dollar

Einlagen- und Anlageproduktmanagement

Die Gesamteinlagen beliefen sich zum 31. Dezember 2023 auf 1,62 Milliarden US-Dollar, mit einem vielfältigen Produktmix.

Einzahlungsprodukt	Gesamtsaldo	Zinsspanne
Girokonten	412,5 Millionen US-Dollar	0.15% - 0.35%
Sparkonten	286,7 Millionen US-Dollar	0.25% - 0.45%
Geldmarktkonten	224,3 Millionen US-Dollar	0.50% - 0.75%

Risikomanagement und Finanzberatungsdienste

Die Bank unterhält eine Kernkapitalquote von 12,4 % und stellt jährlich etwa 6,2 Millionen US-Dollar für die Risikomanagement-Infrastruktur bereit.

Entwicklung und Wartung der digitalen Banking-Plattform

Im Jahr 2023 investierte Orange County Bancorp 3,7 Millionen US-Dollar in die Modernisierung der digitalen Banking-Technologie.

• Mobile-Banking-Nutzer: 42.500
• Online-Banking-Transaktionen: 1,2 Millionen pro Quartal
• Investitionen in die Sicherheit digitaler Plattformen: 1,1 Millionen US-Dollar

Orange County Bancorp, Inc. (OBT) – Geschäftsmodell: Schlüsselressourcen

Erfahrene Bankfachleute und Managementteam

Zum 31. Dezember 2023 beschäftigte Orange County Bancorp, Inc. 169 Vollzeitmitarbeiter. Zum Führungsteam gehören:

Exekutive	Position	Amtszeit
Michael J. Gilfeather	Präsident und CEO	15+ Jahre
Thomas J. Eagan	Finanzvorstand	8+ Jahre

Lokales Filialnetz in Orange County, New York

Zusammensetzung des Filialnetzes:

• Gesamtzahl der Filialen: 16
• Standorte: Orange, Ulster und Sullivan Counties
• Durchschnittliche Zweiggröße: 1.800 Quadratfuß.

Fortschrittliche digitale Banking-Infrastruktur

Digitale Banking-Funktionen:

• Online-Banking-Benutzer: 22.456 ab Q4 2023
• Mobile-Banking-App-Downloads: 15,789
• Digitale Transaktionsplattformen: Web und Mobil

Starke Kapitalreserven und finanzielle Stabilität

Finanzkennzahl	Betrag (Stand Q4 2023)
Gesamtvermögen	1,64 Milliarden US-Dollar
Gesamteigenkapital	146,2 Millionen US-Dollar
Kernkapitalquote	13.45%

Kundenbeziehungsmanagementsysteme

Details zum CRM-System:

• CRM-Plattform: Salesforce Financial Services Cloud
• Gesamte Kundenbeziehungen: 38,756
• Verfolgte Kundensegmente: Personal Banking, Commercial Banking

Orange County Bancorp, Inc. (OBT) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen und Privatpersonen

Im vierten Quartal 2023 stellte Orange County Bancorp spezialisierte Banklösungen mit einem Gesamtvermögen von 1,47 Milliarden US-Dollar und einem Kreditvolumen von insgesamt 1,07 Milliarden US-Dollar bereit.

Produktkategorie	Gesamtwert	Marktsegment
Kommerzielle Kreditvergabe	624 Millionen US-Dollar	Lokale Unternehmen
Persönliches Banking	446 Millionen US-Dollar	Einzelne Kunden

Wettbewerbsfähige Zinssätze und Finanzprodukte

Zinssätze ab Januar 2024:

• Geschäftskreditzinsen: 6,75 % – 8,25 %
• Persönliche Sparkonten: 3,50 % – 4,25 %
• CD-Preise: 4,40 % – 5,10 %

Beziehungsbasiertes Banking mit Fokus auf die lokale Gemeinschaft

Betreut die Region Hudson Valley mit 12 Niederlassungen und betreut etwa 45.000 Kunden.

Reaktionsschneller und zugänglicher Kundenservice

Servicekanal	Verfügbarkeit	Reaktionszeit
Online-Banking	24/7	Sofort
Telefonsupport	8-18 Uhr	Innerhalb von 2 Minuten
Filialservice	Wochentags	Sofort

Umfassende digitale und traditionelle Bankkanäle

Digital-Banking-Kennzahlen für 2023:

• Mobile-Banking-Nutzer: 28.500
• Online-Banking-Transaktionen: 1,2 Millionen
• Eröffnungsrate digitaler Konten: 35 %

Orange County Bancorp, Inc. (OBT) – Geschäftsmodell: Kundenbeziehungen

Persönliches Bankbeziehungsmanagement

Seit dem vierten Quartal 2023 unterhält Orange County Bancorp, Inc. 14 Bankstandorte mit umfassendem Serviceangebot im gesamten Bundesstaat New York. Die Bank betreut rund 4.200 aktive Privat- und Geschäftskunden mit einem durchschnittlichen Beziehungswert von 87.500 US-Dollar pro Kunde.

Kundensegment	Anzahl der Kunden	Durchschnittlicher Beziehungswert
Persönliches Banking	2,850	$62,300
Geschäftsbanking	1,350	$156,700

Direkter Kundensupport

Orange County Bancorp bietet Multi-Channel-Kundensupport durch:

• 14 physische Filialen
• Online-Banking-Plattform rund um die Uhr
• Mobile-Banking-Anwendung
• Kundendienst-Callcenter

Community-Engagement

Im Jahr 2023 nahm die Bank an 37 lokalen Networking-Veranstaltungen teil und sponserte 12 Community-Entwicklungsprogramme mit einer Gesamtinvestition in die Community von 215.000 US-Dollar.

Maßgeschneiderte Finanzberatungsdienste

Beratungsdienst	Anzahl der betreuten Kunden	Durchschnittliche Beratungsdauer
Vermögensverwaltung	276	2,5 Stunden
Finanzplanung für Unternehmen	184	3,2 Stunden

Treueprogramme

Das Treueprogramm der Bank umfasst:

• Rabatte auf Beziehungspreise
• Vorzugszinssätze
• Reduzierte Transaktionsgebühren

Zum 31. Dezember 2023 nahmen 62 % der Kunden am Treueprogramm der Bank teil, mit einem durchschnittlichen jährlichen Vorteil von 340 $ pro registriertem Kunden.

Orange County Bancorp, Inc. (OBT) – Geschäftsmodell: Kanäle

Physische Zweigstellen in Orange County

Ab 2024 behält Orange County Bancorp bei 8 physische Filialen innerhalb von Orange County, New York.

Standort der Filiale	Stadt	Landkreis
Hauptzweig	Montgomery	Orange County
Zweig 2	Goschen	Orange County
Zweig 3	Newburgh	Orange County

Online-Banking-Plattform

Die Online-Banking-Plattform der Bank bietet Digitaler Zugriff rund um die Uhr mit folgenden Features:

• Kontostandverfolgung
• Transaktionsverlauf
• Rechnungszahlungsdienste
• Geldtransfers

Mobile-Banking-Anwendung

Statistiken zu Mobile-Banking-Apps, Stand 2024:

Metrisch	Wert
Gesamtzahl der Downloads mobiler Apps	12,547
Monatlich aktive Benutzer	7,823

Telefonbanking-Dienste

Telefonbanking verfügbar über spezielle Kundendienst-Hotline:

• Betriebszeiten: 8:00 – 18:00 Uhr EST
• Kundendienstmitarbeiter: 15
• Durchschnittliche Anrufantwortzeit: 2,5 Minuten

ATM-Netzwerk

Details zum Geldautomatennetz der Orange County Bancorp:

Geldautomatentyp	Gesamtzahl	Standorte
Bankeigene Geldautomaten	12	Orange County, NY
Gemeinsam genutzte Netzwerk-Geldautomaten	45	Staat New York

Orange County Bancorp, Inc. (OBT) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere lokale Unternehmen

Im vierten Quartal 2023 bedient Orange County Bancorp 1.247 kleine und mittlere Unternehmen in der Region Hudson Valley. Gesamtportfolio an gewerblichen Krediten für dieses Segment: 287,4 Millionen US-Dollar.

Geschäftssegment	Anzahl der Kunden	Gesamtkreditwert
Einzelhandelsunternehmen	423	98,2 Millionen US-Dollar
Professionelle Dienstleistungen	356	76,5 Millionen US-Dollar
Herstellung	268	112,7 Millionen US-Dollar

Einzelverbraucher in der Region Orange County

Kundenstamm von 42.563 Privatbankkunden. Durchschnittlicher Kontostand für persönliche Einlagen: 48.320 $.

• Persönliche Girokonten: 23.187
• Persönliche Sparkonten: 19.376
• Durchschnittliches Kundenalter: 42 Jahre

Professionelle Dienstleister

Gesamtes Kundensegment für professionelle Dienstleistungen: 612 Kunden. Gesamtkreditportfolio für professionelle Dienstleistungen: 64,3 Millionen US-Dollar.

Professionelle Kategorie	Anzahl der Kunden	Durchschnittliche Kredithöhe
Fachkräfte im Gesundheitswesen	187	$276,000
Juristen	156	$412,000
Beratungsunternehmen	269	$189,000

Lokale Immobilieninvestoren

Segment Immobilieninvestoren: 276 aktive Kunden. Gesamtportfolio an Immobilieninvestitionskrediten: 142,6 Millionen US-Dollar.

• Wohnimmobilieninvestoren: 187
• Gewerbeimmobilieninvestoren: 89
• Durchschnittliche Investitionskredithöhe: 516.000 $

Privat- und Geschäftsbankkunden

Gesamtzahl der Privat- und Geschäftsbankkunden: 58.426. Gesamteinlagen: 1,24 Milliarden US-Dollar.

Bankkategorie	Anzahl der Kunden	Gesamteinlagen
Privatkundengeschäft	42,563	687,2 Millionen US-Dollar
Kommerzielles Banking	15,863	552,8 Millionen US-Dollar

Orange County Bancorp, Inc. (OBT) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Im Jahresbericht 2023 meldete Orange County Bancorp, Inc. Gesamtkosten für den Filialbetrieb in Höhe von 4,2 Millionen US-Dollar.

Ausgabenkategorie	Jährliche Kosten
Miete und Belegung	1,7 Millionen US-Dollar
Dienstprogramme	$385,000
Wartung	$612,000
Sicherheit	$298,000

Gehälter und Leistungen der Mitarbeiter

Die gesamten Personalkosten für 2023 beliefen sich auf 12,6 Millionen US-Dollar.

• Grundgehalt: 9,3 Millionen US-Dollar
• Krankenversicherung: 1,8 Millionen US-Dollar
• Altersvorsorge: 1,5 Millionen US-Dollar

Wartung von Technologie und digitaler Infrastruktur

Die Technologieinvestitionen für 2023 beliefen sich auf insgesamt 3,1 Millionen US-Dollar.

Technologieaufwand	Jährliche Kosten
Softwarelizenzierung	1,2 Millionen US-Dollar
Hardware-Upgrades	$875,000
Cybersicherheit	$625,000
IT-Support	$400,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für 2023 beliefen sich auf 2,5 Millionen US-Dollar.

• Rechtsdienstleistungen: 1,1 Millionen US-Dollar
• Prüfung und Berichterstattung: 850.000 US-Dollar
• Zulassungsgebühren: 550.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Das Marketingbudget für 2023 erreichte 1,8 Millionen US-Dollar.

Marketingkanal	Jährliche Ausgaben
Digitale Werbung	$675,000
Print- und lokale Medien	$425,000
Gemeinschaftspatenschaften	$350,000
Kundenempfehlungsprogramme	$350,000

Orange County Bancorp, Inc. (OBT) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Hypotheken

Im vierten Quartal 2023 meldete Orange County Bancorp einen Nettozinsertrag von 24,3 Millionen US-Dollar. Gesamtkreditportfolio: 1,16 Milliarden US-Dollar. Durchschnittliche Kreditrendite: 4,75 %.

Kreditkategorie	Gesamtvolumen	Zinserträge
Gewerbliche Kredite	612 Millionen Dollar	13,4 Millionen US-Dollar
Wohnhypotheken	378 Millionen Dollar	8,9 Millionen US-Dollar
Verbraucherkredite	170 Millionen Dollar	2 Millionen Dollar

Servicegebühren und Transaktionsgebühren

Einnahmen aus Servicegebühren für 2023: 5,2 Millionen US-Dollar. Transaktionsbezogenes Einkommen: 1,7 Millionen US-Dollar.

• Kontoführungsgebühren: 1,3 Millionen US-Dollar
• Gebühren für Überweisungen: 620.000 $
• Gebühren für Geldautomatentransaktionen: 480.000 US-Dollar
• Überziehungsgebühren: 800.000 $

Provisionen für Anlageprodukte

Gesamtertrag aus Anlageprodukten: 3,6 Millionen US-Dollar im Jahr 2023.

Anlageprodukt	Provisionseinnahmen
Investmentfonds	1,4 Millionen US-Dollar
Maklerdienstleistungen	1,2 Millionen US-Dollar
Ruhestandsplanung	1 Million Dollar

Gebühren für digitale Bankdienstleistungen

Einnahmen aus dem digitalen Banking: 1,1 Millionen US-Dollar im Jahr 2023. Online-Transaktionsgebühren: 420.000 US-Dollar.

Erträge aus Vermögensverwaltung und Finanzberatung

Gesamtumsatz der Vermögensverwaltung: 4,8 Millionen US-Dollar im Jahr 2023. Verwaltetes Vermögen: 280 Millionen US-Dollar.

• Finanzplanungsgebühren: 2,3 Millionen US-Dollar
• Anlageberatungsdienste: 1,5 Millionen US-Dollar
• Treuhand- und Nachlassplanungsdienste: 1 Million US-Dollar

Orange County Bancorp, Inc. (OBT) - Canvas Business Model: Value Propositions

You're looking at what Orange County Bancorp, Inc. (OBT) offers its customers-the core reasons they choose this institution over others in the competitive financial landscape. It's built on a foundation of deep local commitment combined with modern, integrated services.

Full-service, relationship-based business banking strategy is central to the value proposition. This isn't just about transactions; it's about being a long-term partner for businesses and individuals in their regional markets. The scale of their core banking operations supports this focus:

• Total Deposits stood at $2.3 billion as of September 30, 2025.
• Total Loans reached $1.9 billion at September 30, 2025.

This relationship focus is backed by solid financial health, which translates directly into customer confidence. For instance, the bank maintained a strong capital position, with the Tier 1 capital to average assets ratio reported at 12.40% at June 30, 2025, well above regulatory minimums for well-capitalized institutions.

The value proposition is enhanced by a unified offering of banking, trust, and investment advisory services. Orange County Bancorp, Inc. operates as the parent company for Orange Bank & Trust Company and Orange Investment Advisors, Inc. (formerly HVIA). This integration means clients can access multiple financial disciplines under one roof. The Wealth Management Division, which includes trust and investment advisory, reported assets under management or advisory totaling $1.9 billion at September 30, 2025.

Here is a quick look at how key financial metrics supported the value proposition through the third quarter of 2025:

Metric	Value	Reporting Period
Net Interest Margin (NIM)	4.26%	Q3 2025
Tier 1 Capital to Average Assets Ratio	12.40%	Q2 2025
Trust and Investment Advisory Income	$3.5 million	Q3 2025

The institution offers a distinct community bank focus with over 130 years of history. The original bank was chartered in 1892, meaning as of late 2025, the lineage extends over 133 years, grounding its operations in local community principles established by its founders.

The profitability derived from this model is evident in the latest reported figures. The Net Interest Margin of 4.26% for Q3 2025 shows effective management of the interest-earning assets relative to funding costs. Furthermore, trust and investment advisory income for that same quarter grew to $3.5 million, showing that the wealth management segment is a growing component of the overall value delivered.

If you're assessing OBT's strategic positioning, remember their focus is on leveraging this deep history and integrated service model to drive organic growth in their core markets. Finance: draft 13-week cash view by Friday.

Orange County Bancorp, Inc. (OBT) - Canvas Business Model: Customer Relationships

You're focused on how Orange County Bancorp, Inc. (OBT) builds and maintains its client base, which is central to its regional business bank strategy. The relationship focus is clearly dual-pronged: deep commercial ties and integrated wealth services.

Dedicated relationship managers for commercial clients

The structure relies on experienced professionals to drive acquisition and deepen existing commercial relationships. This is evident in the historical build-out of their footprint; for example, an executive joined in 2015 specifically as a Vice President and Senior Relationship Manager to develop deposit and lending businesses across the Rockland and Westchester markets.

The emphasis on a regional business bank strategy suggests that these managers are empowered with local decision-making authority, which is a key differentiator from larger, more centralized institutions. This model supports the reported loan growth, which reached $1.9 billion as of September 30, 2025, a 6.6% increase from year-end 2024.

High-touch, personalized service model

The commitment to high-touch service translates directly into deposit quality and retention. You see this in the success of replacing higher-cost funding with core client money. For the three months ended June 30, 2025, the bank replaced $74 million of higher cost brokered deposits with lower cost Bank client funds. This shift directly reflects successful relationship deepening.

The cost of these core deposits remained attractive, with the cost of deposits for the three months ended June 30, 2025, standing at 1.30%. Total deposits as of September 30, 2025, stood at $2.3 billion.

The relationship focus is quantified by the growth in core, non-wholesale funding sources:

Deposit Category Growth (vs. Dec 31, 2024)	As of June 30, 2025	As of September 30, 2025
Total Deposits	5.7% increase to $2.3 billion	5.8% increase to $2.3 billion
Noninterest-Bearing Demand Accounts	$36.0 million growth	$60.8 million growth (vs. Dec 31, 2024)
Interest Bearing Demand Accounts	$98.2 million growth	$112.1 million growth (vs. Dec 31, 2024)

Cross-selling of wealth management to banking clients

The integration of banking and investment advisory services is a clear strategy to increase client wallet share. The segment, realigned to 'Orange Wealth Management' in January 2025, shows consistent fee income growth, which management views as an important revenue source.

Here's how the Wealth Management division performed across the first three quarters of 2025:

• Trust and investment advisory income for Q3 2025 reached $3.5 million, up 13.3% year-over-year.
• Trust and investment advisory income for Q2 2025 was $3.4 million, up 14.8% year-over-year.
• Trust and investment advisory income for Q1 2025 was $3.4 million, up 19.2% year-over-year.

Assets Under Management or Advisory (AUM/AUA) show the scale of this relationship:

• AUM/AUA as of September 30, 2025: $1.9 billion.
• AUM/AUA as of June 30, 2025: $1.8 billion.
• AUM/AUA as of March 31, 2025: $1.7 billion.

Community engagement and local decision-making

The operational focus is explicitly on the Orange County region, which implies deep community ties and local underwriting authority. The bank's structure, operating as Orange Bank & Trust Co., supports this localized approach. This regional focus is a foundational element of their business bank strategy, which management emphasized following their record Q3 2025 results.

Digital self-service options for routine transactions

Orange County Bancorp, Inc. supports its high-touch model with digital capabilities for efficiency. The bank provides digital self-service options for routine transactions, allowing relationship managers to focus their time on more complex, value-added activities like credit structuring and wealth planning.

Finance: draft 13-week cash view by Friday.

Orange County Bancorp, Inc. (OBT) - Canvas Business Model: Channels

Orange Bank & Trust Company branch network presence as reported in the March 17, 2025, Form 10-K reflected operations through 16 banking offices and one loan production office across Orange, Westchester, Rockland, and Bronx Counties in New York as of December 31, 2024.

The wealth management arm, rebranded as Orange Investment Advisors, has a corporate office listed in Goshen, New York, and a principal office for the LLC in Winter Park, Florida. The trust and investment advisory income for the quarter ended September 30, 2025, reached $3.5 million.

The scale of the lending and advisory activities channeled through these physical and digital points is reflected in the balance sheet as of September 30, 2025:

Metric	Value as of 9/30/2025	Context/Date
Total Loans	$1.94 billion	Year-to-Date growth as of 9/30/2025
Total Deposits	$2.3 billion	As of 9/30/2025
Assets Under Management or Advisory	$1.9 billion	Wealth Management Division as of 9/30/2025
Trust and Investment Advisory Income	$3.5 million	For the quarter ended 9/30/2025

Internet and mobile banking platforms support the delivery of services including fund transfers, bill payments, mobile check deposits, and account monitoring. The bank also offers Treasury Management Services for business clients via integrated online platforms for account management, payments, and fraud prevention.

The direct sales force for commercial lending drives loan growth, which saw total loans increase by 6.6% to $1.9 billion for the nine months ended September 30, 2025, compared to December 31, 2024.

Key channel performance indicators from the Q3 2025 results include:

• Net Interest Margin: 4.26% for the quarter ended September 30, 2025.
• Cost of Deposits: 1.13% for the quarter ended September 30, 2025.
• Efficiency Ratio: 49.9% for the three months ended September 30, 2025.

Information regarding the specific size or geographic distribution of the ATM network access points as of late 2025 was not publicly detailed in the latest available reports.

Orange County Bancorp, Inc. (OBT) - Canvas Business Model: Customer Segments

You're looking at where Orange County Bancorp, Inc. (OBT) focuses its efforts to generate revenue and deposits. Honestly, for a regional bank, the customer segments are quite defined by geography and service type.

Small to mid-sized businesses (SMEs) in the New York Metro area

This segment is central to the banking operations, driving a significant portion of the loan portfolio. The Bank provides commercial and industrial loans to these businesses. While a direct breakdown of SME loan volume isn't explicitly stated, the overall loan portfolio size gives you a scale of their lending activity.

The core deposit base, which is crucial for funding SME lending, shows strong organic growth, indicating business client retention and acquisition. For instance, noninterest-bearing demand accounts grew by $60.8 million in the third quarter of 2025 alone. This type of deposit is often highly correlated with active commercial operating accounts.

High-net-worth individuals seeking trust and advisory services

This is the domain of the Wealth Management Division, which includes trust and investment advisory services through Orange Investment Advisors. These clients drive noninterest income, which was a strong contributor to recent results. You see the scale of this segment in the Assets Under Management (AUM) figures.

The focus here is on growing the fee-based revenue stream, which saw trust and investment advisory income reach $3.5 million for the quarter ended September 30, 2025. This was an increase of 13.3% compared to the same quarter in the prior year.

• Trust and investment advisory assets totaled $1.9 billion as of September 30, 2025.
• This AUM represented a 6.6% increase from December 31, 2024.

Local municipal governments and public entities

Orange County Bancorp, Inc. explicitly serves local municipal governments and public entities. These relationships typically provide stable, albeit sometimes seasonal, deposit balances. The Bank's long operating history in Orange County, located 60 miles from New York City, provides a strong foundation for securing these types of stable, low-cost funding sources.

The overall deposit structure reflects a reliance on these stable sources, as core deposits comprised 89.7% of total funding at the end of 2024.

Retail consumers in Orange, Rockland, Westchester, and Bronx counties

Retail consumers are served through personal banking services, including personal loans and savings accounts, across the Bank's 14 branch offices. The growth in consumer-facing deposit types, like savings accounts, shows direct engagement with this segment. The Bank has been strategically replacing higher-cost brokered deposits with these lower-cost client funds.

Total deposits reached $2.3 billion as of September 30, 2025. The growth in interest-bearing demand accounts was substantial, increasing by $112.1 million in the third quarter of 2025, which captures both retail and commercial operating accounts.

Here's a quick look at the scale of the business supporting these segments as of late 2025:

Metric	Value as of September 30, 2025
Total Consolidated Assets	$2.6 billion
Total Loans	$1.9 billion
Total Deposits	$2.3 billion
Trust & Investment Advisory Assets (AUM)	$1.9 billion
Net Income (Nine Months Ended)	$29.2 million

The management is definitely focused on expanding its market presence in New York to capture more of these local customer bases. Finance: draft 13-week cash view by Friday.

Orange County Bancorp, Inc. (OBT) - Canvas Business Model: Cost Structure

You're looking at the core expenses that drive the operations of Orange County Bancorp, Inc. as of late 2025. These are the outflows that fund the bank's lending, deposit-taking, and regulatory obligations.

Provision for Credit Losses, which was $6.2 million for the nine months ended Q3 2025, shows a notable reduction compared to the $9.7 million recorded for the same period in 2024. This improvement reflects lower specific reserves tied to nonperforming loans. That's a clear win for the bottom line this year.

Interest expense on deposits and borrowings is a significant outflow. For the nine months ended September 30, 2025, total interest expense was $23.9 million. This figure is actually down from $26.3 million for the same nine months in 2024, which makes sense given the deliberate efforts to replace higher-cost brokered deposits with lower-cost client funds. For the third quarter of 2025 alone, the cost of deposits stood at 1.13%.

Here's a quick look at the major known cost categories for the nine months ended September 30, 2025:

Expense Category	Amount (Nine Months Ended 9/30/2025)
Total Non-Interest Expense	$50.1 million
Total Interest Expense	$23.9 million
Provision for Credit Losses (PCL)	$6.2 million

The remaining costs fall under Non-interest expense, which totaled $50.1 million for the nine months ended September 30, 2025. This aggregate figure covers several key areas that keep the branch network and technology running.

The components making up this Non-interest Expense include:

• Employee salaries and benefits, a major non-interest expense.
• Occupancy and equipment costs for the branch network.
• Regulatory compliance and technology investment costs.

To be fair, while the total non-interest expense increased by $3.3 million over the prior year's nine-month period, the efficiency ratio improved to 53.2% for the nine months ended September 30, 2025, from 58.2% for the same period in 2024. This suggests better cost management relative to revenue growth. Also, the non-interest income was boosted by a gain from the sale of a branch location, which will likely impact future occupancy costs, though the specific dollar amount for that cost category isn't itemized here.

Finance: draft 13-week cash view by Friday.

Orange County Bancorp, Inc. (OBT) - Canvas Business Model: Revenue Streams

You're looking at how Orange County Bancorp, Inc. (OBT) actually brings in money, which is the core of its Revenue Streams block in the Business Model Canvas. For a regional bank like OBT, the story is heavily weighted toward traditional lending and investment activities.

Net Interest Income (NII) from loan and investment portfolios is the primary engine. This is the difference between the interest OBT earns on its assets-like loans and securities-and the interest it pays out on its liabilities, such as customer deposits and borrowings. For the nine months ended Q3 2025, Total NII was $75.7 million. This figure shows the benefit of their asset/liability management, especially given the Net Interest Margin grew to 4.26% for the third quarter of 2025.

The second major bucket is Non-Interest Income. For the nine months ended Q3 2025, Total Noninterest Income was $18.5 million. This stream is diversified across services provided by its subsidiaries, Orange Bank & Trust Co. and Orange Investment Advisors ("OIA").

Here's a quick look at the major revenue components for the nine months ended September 30, 2025, compared to the prior year period:

Revenue Component	Nine Months Ended Q3 2025 Amount	Nine Months Ended Q3 2024 Amount
Total Net Interest Income (NII)	$75.7 million	$68.7 million
Total Noninterest Income	$18.5 million	$11.7 million
Total Interest Income	$99.7 million	$95.0 million

You see that Non-Interest Income saw a significant jump, increasing by approximately $6.8 million over the same period last year. This growth wasn't just from standard operations; the nine-month period in 2025 included specific items like additional Bank Owned Life Insurance (BOLI) proceeds of approximately $3.6 million and a $1.2 million gain from selling a branch location.

The revenue from advisory services is a key part of that Non-Interest Income. Specifically, revenue from trust and investment advisory fees, driven by the OIA segment, is growing. For the third quarter of 2025 alone, trust and investment advisory income rose to $3.5 million. That's a 13.3% increase compared to the third quarter of 2024. This shows the wealth management side is definitely contributing.

Fees from banking services, including deposit and loan fees, are embedded within the NII and Non-Interest Income figures. The growth in NII was driven primarily by a 13.1% increase in interest and fees associated with loans during the third quarter of 2025. The overall revenue streams for Orange County Bancorp, Inc. are:

• Net Interest Income from the loan and investment portfolios.
• Income from trust and investment advisory fees via Orange Investment Advisors.
• Gains from asset sales, such as the $1.2 million branch sale in the nine-month period.
• Proceeds from Bank Owned Life Insurance (BOLI), including approximately $3.6 million year-to-date in 2025.
• General fees from core banking services, including deposit and loan-related fees.

Finance: draft a sensitivity analysis on NII assuming a 50 basis point drop in the Net Interest Margin by end of Q4 2025 by next Tuesday.