Orange County Bancorp, Inc. (OBT): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Ubicado en el corazón del Condado de Orange, Nueva York, Orange County Bancorp, Inc. (OBT) surge como una potencia financiera dinámica que reinventa la banca local a través de su innovador lienzo de modelo de negocio. Al combinar a la perfección la banca tradicional centrada en la comunidad con soluciones digitales de vanguardia, OBT ha creado un enfoque único que transforma la forma en que las empresas y las personas locales experimentan servicios financieros. Este plan estratégico revela un modelo sofisticado que va más allá de las meras transacciones, creando un ecosistema integral de experiencias bancarias personalizadas que se adaptan a las necesidades evolutivas del diverso panorama económico del Condado de Orange.

Orange County Bancorp, Inc. (OBT) - Modelo de negocio: asociaciones clave

Empresas locales y clientes comerciales en la región del condado de Orange

A partir del cuarto trimestre de 2023, el Condado de Orange Bancorp mantuvo 237 relaciones activas de clientes comerciales dentro de la región del Condado de Orange, Nueva York.

Categoría de asociación	Número de asociaciones	Volumen empresarial total
Pequeñas empresas locales	142	$ 53.4 millones
Empresas comerciales de tamaño mediano	65	$ 87.6 millones
Empresas de servicios profesionales	30	$ 22.1 millones

Préstamos hipotecarios y socios de desarrollo inmobiliario

El Condado de Orange Bancorp colabora con 24 socios regionales de desarrollo inmobiliario.

• Desarrolladores inmobiliarios de Hudson Valley: 12 asociaciones
• Empresas de construcción residenciales: 8 asociaciones
• Desarrolladores de propiedades comerciales: 4 asociaciones

Organizaciones de inversión comunitaria y desarrollo económico

Tipo de organización	Detalles de la asociación	Inversión anual
Agencias de desarrollo económico local	3 asociaciones activas	$ 1.2 millones
Programas de reinversión comunitaria	2 iniciativas de colaboración	$750,000

Proveedores de servicios financieros regionales y proveedores de tecnología

Asociaciones de proveedores de tecnología y servicio a partir de 2024:

• Proveedor de software bancario central: Jack Henry & Asociado
• Plataforma de banca digital: Fiserv
• Proveedor de ciberseguridad: Symantec
• Socio de procesamiento de pagos: Fis global

Categoría de proveedor	Número de proveedores	Inversión tecnológica anual
Tecnología bancaria central	3	$ 2.1 millones
Soluciones de ciberseguridad	2	$ 1.4 millones
Plataformas de banca digital	2	$ 1.8 millones

Orange County Bancorp, Inc. (OBT) - Modelo de negocio: actividades clave

Servicios de banca comercial y de consumo

A partir del cuarto trimestre de 2023, el Condado de Orange Bancorp informó préstamos totales de $ 1.38 mil millones, con préstamos comerciales que representan aproximadamente el 68% de la cartera. El banco mantiene 14 ubicaciones de sucursales de servicio completo en todo el estado de Nueva York.

Categoría de servicio bancario	Valor total de la cartera	Porcentaje de préstamos totales
Préstamo comercial	$ 938.4 millones	68%
Préstamo de consumo	$ 441.6 millones	32%

Préstamo y origen hipotecario

En 2023, el banco originó $ 214.3 millones en préstamos hipotecarios, lo que representa un aumento del 12% respecto al año anterior.

• Originaciones de hipotecas residenciales: $ 187.2 millones
• Originaciones de hipotecas comerciales: $ 27.1 millones

Gestión de productos de depósito e inversión

Los depósitos totales al 31 de diciembre de 2023 fueron de $ 1.62 mil millones, con una mezcla de productos diversa.

Producto de depósito	Saldo total	Rango de tasas de interés
Cuentas corrientes	$ 412.5 millones	0.15% - 0.35%
Cuentas de ahorro	$ 286.7 millones	0.25% - 0.45%
Cuentas del mercado monetario	$ 224.3 millones	0.50% - 0.75%

Gestión de riesgos y servicios de asesoramiento financiero

El banco mantiene un Relación de capital de nivel 1 del 12,4% y asigna aproximadamente $ 6.2 millones anuales a la infraestructura de gestión de riesgos.

Desarrollo y mantenimiento de la plataforma de banca digital

En 2023, el Condado de Orange Bancorp invirtió $ 3.7 millones en actualizaciones de tecnología de banca digital.

• Usuarios de banca móvil: 42,500
• Transacciones bancarias en línea: 1.2 millones por trimestre
• Inversiones de seguridad de plataforma digital: $ 1.1 millones

Orange County Bancorp, Inc. (OBT) - Modelo de negocio: recursos clave

Profesionales bancarios experimentados y equipo de gestión

Al 31 de diciembre de 2023, el Condado de Orange Bancorp, Inc. empleó 169 empleados equivalentes a tiempo completo. El equipo de gestión incluye:

Ejecutivo	Posición	Tenencia
Michael J. Gilfeather	Presidente y CEO	Más de 15 años
Thomas J. Eagan	Director financiero	Más de 8 años

Red de sucursales locales en el Condado de Orange, Nueva York

Composición de la red de sucursales:

• Total de ramas: 16
• Ubicaciones: los condados de Orange, Ulster y Sullivan
• Tamaño promedio de la rama: 1,800 pies cuadrados.

Infraestructura de banca digital avanzada

Capacidades de banca digital:

• Usuarios bancarios en línea: 22,456 a partir del cuarto trimestre 2023
• Descargas de aplicaciones de banca móvil: 15,789
• Plataformas de transacciones digitales: web y móvil

Reservas de capital fuertes y estabilidad financiera

Métrica financiera	Cantidad (a partir del cuarto trimestre 2023)
Activos totales	$ 1.64 mil millones
Equidad total	$ 146.2 millones
Relación de capital de nivel 1	13.45%

Sistemas de gestión de relaciones con el cliente

Detalles del sistema CRM:

• Plataforma CRM: Salesforce Financial Services Cloud
• Relaciones totales de los clientes: 38,756
• Segmentos de clientes rastreados: banca personal, banca comercial

Orange County Bancorp, Inc. (OBT) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos locales

A partir del cuarto trimestre de 2023, el Condado de Orange Bancorp proporcionó soluciones bancarias especializadas con activos totales de $ 1.47 mil millones y préstamos totales de $ 1.07 mil millones.

Categoría de productos	Valor total	Segmento de mercado
Préstamo comercial	$ 624 millones	Empresas locales
Banca personal	$ 446 millones	Clientes individuales

Tasas de interés competitivas y productos financieros

Tasas de interés a partir de enero de 2024:

• Tasas de préstamo comercial: 6.75% - 8.25%
• Cuentas de ahorro personal: 3.50% - 4.25%
• Tasas de CD: 4.40% - 5.10%

Banca basada en relaciones con enfoque de la comunidad local

Sirviendo la región del Valle de Hudson con 12 sucursales y atendiendo a aproximadamente 45,000 clientes.

Servicio al cliente receptivo y accesible

Canal de servicio	Disponibilidad	Tiempo de respuesta
Banca en línea	24/7	Inmediato
Soporte telefónico	8 am-6pm	En 2 minutos
Servicio de sucursal	De lunes a viernes	Inmediato

Canales bancarios digitales y tradicionales completos

Métricas de banca digital para 2023:

• Usuarios de banca móvil: 28,500
• Transacciones bancarias en línea: 1.2 millones
• Tasa de apertura de cuenta digital: 35%

Orange County Bancorp, Inc. (OBT) - Modelo de negocios: relaciones con los clientes

Gestión de la relación bancaria personal

A partir del cuarto trimestre de 2023, el Condado de Orange Bancorp, Inc. mantiene 14 ubicaciones de banca de servicio completo en todo el estado de Nueva York. El banco atiende a aproximadamente 4,200 clientes activos de banca personal y comercial con un valor de relación promedio de $ 87,500 por cliente.

Segmento de clientes	Número de clientes	Valor de relación promedio
Banca personal	2,850	$62,300
Banca de negocios	1,350	$156,700

Atención al cliente directa

Orange County Bancorp proporciona atención al cliente multicanal a través de:

• 14 ubicaciones de ramas físicas
• Plataforma de banca en línea 24/7
• Aplicación de banca móvil
• Centro de llamadas de servicio al cliente

Compromiso comunitario

En 2023, el banco participó en 37 eventos locales de redes y patrocinó 12 programas de desarrollo comunitario, con una inversión comunitaria total de $ 215,000.

Servicios de consultoría financiera a medida

Servicio de consultoría	Número de clientes atendidos	Duración de consulta promedio
Gestión de patrimonio	276	2.5 horas
Planificación financiera comercial	184	3.2 horas

Programas de fidelización

El programa de fidelización del banco incluye:

• Descuentos de precios de relaciones
• Tasas de interés preferidas
• Tarifas de transacción reducidas

Al 31 de diciembre de 2023, el 62% de los clientes participaron en el programa de lealtad del banco, con un beneficio anual promedio de $ 340 por cliente inscrito.

Orange County Bancorp, Inc. (OBT) - Modelo de negocio: canales

Ubicaciones de ramas físicas en el condado de Orange

A partir de 2024, el Condado de Orange Bancorp mantiene 8 ubicaciones de ramas físicas Dentro del Condado de Orange, Nueva York.

Ubicación de la rama	Ciudad	Condado
Rama principal	Montgomery	Condado de Orange
Rama 2	Goshen	Condado de Orange
Rama 3	Newburgh	Condado de Orange

Plataforma bancaria en línea

La plataforma bancaria en línea del banco proporciona Acceso digital 24/7 Con las siguientes características:

• Seguimiento del saldo de la cuenta
• Historial de transacciones
• Servicios de pago de facturas
• Transferencias de fondos

Aplicación de banca móvil

Estadísticas de aplicaciones de banca móvil a partir de 2024:

Métrico	Valor
Descargas totales de aplicaciones móviles	12,547
Usuarios activos mensuales	7,823

Servicios de banca telefónica

Banca telefónica disponible hasta línea de servicio al cliente dedicada:

• Horario de funcionamiento: 8:00 am - 6:00 pm EST
• Representantes de atención al cliente: 15
• Tiempo promedio de respuesta de llamadas: 2.5 minutos

Red de cajeros automáticos

Detalles de la red de cajeros automáticos para el Condado de Orange Bancorp:

Tipo de cajero automático	Recuento total	Ubicación
Cajeros automáticos	12	Condado de Orange, NY
ATM de red compartidos	45	Estado de Nueva York

Orange County Bancorp, Inc. (OBT) - Modelo de negocio: segmentos de clientes

Empresas locales pequeñas a medianas

A partir del cuarto trimestre de 2023, el Condado de Orange Bancorp atiende a 1,247 empresas pequeñas a medianas en la región del Valle de Hudson. Cartera total de préstamos comerciales para este segmento: $ 287.4 millones.

Segmento de negocios	Número de clientes	Valor total del préstamo
Negocios minoristas	423	$ 98.2 millones
Servicios profesionales	356	$ 76.5 millones
Fabricación	268	$ 112.7 millones

Consumidores individuales en la región del condado de Orange

Base de clientes de 42,563 clientes bancarios individuales. Saldo promedio de la cuenta de depósito personal: $ 48,320.

• Cuentas corrientes personales: 23,187
• Cuentas de ahorro personal: 19,376
• Edad promedio del cliente: 42 años

Proveedores de servicios profesionales

Segmento de clientes de servicio profesional total: 612 clientes. Portafolio de préstamos de servicios profesionales totales: $ 64.3 millones.

Categoría profesional	Número de clientes	Tamaño promedio del préstamo
Profesionales de la salud	187	$276,000
Profesionales legales	156	$412,000
Empresas consultoras	269	$189,000

Inversores inmobiliarios locales

Segmento de inversores inmobiliarios: 276 clientes activos. Cartera total de préstamos de inversión inmobiliaria: $ 142.6 millones.

• Inversores de propiedades residenciales: 187
• Inversores de propiedades comerciales: 89
• Tamaño promedio del préstamo de inversión: $ 516,000

Clientes de banca minorista y comercial

Total de clientes minoristas y de banca comercial: 58,426. Depósitos totales: $ 1.24 mil millones.

Categoría bancaria	Número de clientes	Depósitos totales
Banca minorista	42,563	$ 687.2 millones
Banca comercial	15,863	$ 552.8 millones

Orange County Bancorp, Inc. (OBT) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

A partir del informe anual de 2023, el Condado de Orange Bancorp, Inc. reportó gastos de operación de sucursal total de $ 4.2 millones.

Categoría de gastos	Costo anual
Alquiler y ocupación	$ 1.7 millones
Utilidades	$385,000
Mantenimiento	$612,000
Seguridad	$298,000

Salarios y beneficios de los empleados

Los gastos totales de personal para 2023 fueron de $ 12.6 millones.

• Salarios base: $ 9.3 millones
• Seguro de salud: $ 1.8 millones
• Beneficios de jubilación: $ 1.5 millones

Tecnología y mantenimiento de infraestructura digital

La inversión tecnológica para 2023 totalizó $ 3.1 millones.

Gasto tecnológico	Costo anual
Licencia de software	$ 1.2 millones
Actualizaciones de hardware	$875,000
Ciberseguridad	$625,000
Es compatible	$400,000

Costos de cumplimiento regulatorio

Los gastos de cumplimiento para 2023 fueron de $ 2.5 millones.

• Servicios legales: $ 1.1 millones
• Auditoría e informes: $ 850,000
• Tarifas de presentación regulatoria: $ 550,000

Gastos de marketing y adquisición de clientes

El presupuesto de marketing para 2023 alcanzó los $ 1.8 millones.

Canal de marketing	Gasto anual
Publicidad digital	$675,000
Impresión y medios locales	$425,000
Patrocinios comunitarios	$350,000
Programas de referencia de clientes	$350,000

Orange County Bancorp, Inc. (OBT) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos e hipotecas

A partir del cuarto trimestre de 2023, el Condado de Orange Bancorp informó ingresos por intereses netos de $ 24.3 millones. Cartera total de préstamos: $ 1.16 mil millones. Rendimiento promedio del préstamo: 4.75%.

Categoría de préstamo	Volumen total	Ingresos por intereses
Préstamos comerciales	$ 612 millones	$ 13.4 millones
Hipotecas residenciales	$ 378 millones	$ 8.9 millones
Préstamos al consumo	$ 170 millones	$ 2 millones

Tarifas de servicio y cargos de transacción

Ingresos de tarifas de servicio para 2023: $ 5.2 millones. Ingresos relacionados con la transacción: $ 1.7 millones.

• Tarifas de mantenimiento de la cuenta: $ 1.3 millones
• Tarifas de transferencia de cables: $ 620,000
• Tarifas de transacción de cajeros automáticos: $ 480,000
• Tarifas de sobregiro: $ 800,000

Comisiones de productos de inversión

Ingresos de productos de inversión total: $ 3.6 millones en 2023.

Producto de inversión	Ingresos por comisión
Fondos mutuos	$ 1.4 millones
Servicios de corretaje	$ 1.2 millones
Planificación de jubilación	$ 1 millón

Tarifas de servicio bancario digital

Ingresos bancarios digitales: $ 1.1 millones en 2023. Tarifas de transacción en línea: $ 420,000.

Gestión de patrimonio e ingresos por asesoramiento financiero

Ingresos totales de gestión de patrimonio: $ 4.8 millones en 2023. Activos bajo administración: $ 280 millones.

• Tarifas de planificación financiera: $ 2.3 millones
• Servicios de asesoramiento de inversiones: $ 1.5 millones
• Servicios de planificación de fideicomiso y patrimonio: $ 1 millón

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.