Orange County Bancorp (OBT) risk factors

Item 1A of every Orange County Bancorp, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
48 risks1 new1 dropped5 reworded
The bank added new legal and regulatory risks around artificial intelligence adoption across its operations and vendors.
Filed Mar 16, 2026
FY2024 10-K risk factors
48 risks
Concentration of commercial real estate loans and geographic reliance on the New York metropolitan area dominate risks. Wealth management operations and municipal deposits expose the bank to specific regulatory and liquidity risks.
Filed Mar 17, 2025