HIGHBuilt-inLoan_portfolio
93.1%
core deposits
“10-K Item 1: 'Core deposits (deposits excluding time deposits) comprise 93.1% of our total funding'”
OBT · Concentration risk · 10-K extracted
Orange County Bancorp (OBT) concentration risks
Updated
The most significant concentration Orange County Bancorp discloses is core deposits at 93.1%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Orange County Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH2
MEDIUM1
LOW1
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inLoan_portfolio
81%
commercial real estate loans
“10-K Item 1A: 'our commercial real estate loans, including construction loans, totaled $1.6 billion, or 81.0%, of our total loan portfolio'”
MEDIUMBuilt-inGeographic
42%
Orange County
“10-K Item 1: 'Orange County continues to represent approximately 42% of the Bank's deposits as of December 31, 2025'”
LOWOutside partyLoan_portfolio
10.1%
municipal deposits
“10-K Item 1A: '10.1% of our total deposits, consisted of municipal deposits from local government entities ... Given our dependence on high-average balance municipal deposits'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Orange County Bancorp funds itself overwhelmingly with core deposits, which make up 93.1% of total funding, a high and structurally favorable share since core deposits are typically stickier and cheaper than wholesale funding. On the asset side, commercial real estate loans, including construction, are also high in scale at 81.0% of the total loan portfolio — a concentration that ties credit performance closely to the commercial property cycle. Geographically, Orange County itself represents a moderate 42% of the bank's deposits, meaning the funding base, while broadly diversified in type, still has meaningful exposure to one local economy. A smaller but distinct dependency sits within the deposit base: municipal deposits from local government entities account for 10.1% of total deposits, a low share but one the filing itself flags as a dependence given these deposits' high-average-balance, less-diversified nature. Netting these out, the structural real estate concentration is the exposure most capable of moving the thesis in a downturn, since it is both the largest asset-side bet and geographically anchored to the same Orange County economy that supplies a large share of the bank's core funding.
For the engine’s reasoning on OBT’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| OBT● | Orange County Bancorp, Inc. | 2 | 1 | 1 | 4 |
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.