Orange County Bancorp, Inc. is classed by the SEC under State Commercial Banks (industry code 6022), based in Middletown, NY. Its latest filed balance sheet (2025-12-31) shows total assets of $2.7 billion (its filed statements).
Lending businessState Commercial BanksMiddletown, NYfilings since 20189 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6022, State Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.5 out of ten, 9 of 9 metrics filed: past 5.5 out of ten, present 4.6 out of ten, future 6.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 7.8 out of ten. No warning events in its filings since 2018. 78th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 7.8 out of ten. +20.4% a year over 6 filed years; profitable in 6 of 6. 78th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 0.8 out of ten. Share count grew 30.5% a year. 14% of cash flow returned. Insiders: 5 sales, 3 purchases. 8th percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 5.2 out of ten. ROE 15%: 15¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar. 52nd percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 5.3 out of ten. top 47% of 155 in its family; net margin 30.8%. 53rd percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 2.5 out of ten. bottom 26% of 150 in its family for leadership; chief executive since 2021. 26th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 8.0 out of ten. top 20% of 142 in its family for room to expand. 80th percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 4.4 out of ten. bottom 44% of 152 in its family for growth drivers. 44th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 8.1 out of ten. top 19% of 150 in its family for expectations against reality. 81st percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-16 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-10 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-28 (on EDGAR). Newest filing: Form 4, 2026-10-02. Filings on record since 2018. Read from EDGAR 2026-10-12.
Who runs it
Gilfeather, Michael J (President and CEO); Lesler, Michael (EVP, Chief Financial Officer); Jones, Elizabeth A (SVP, Chief Operating Officer); Rooney, Stephen (SVP, Chief Credit Officer); Listner, Michael (SVP and Chief Risk Officer); Aarons, Orville G (EVP-Chief of Crdt Risk Mngmnt); Sousa, Gregory (EVP and Deputy CLO); Dineen, David P (SVP, Dir. Wealth Services); Ruhl, Joseph A (Reg Pres, Westchester County); Coulter, Michael J (EVP and CLO); and 8 more. 18 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-02.
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