Orange County Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Orange County Bancorp has total assets of $2.5B and total equity of $168.7M. Total deposits are $2.1B, and total loans are $1.7B. It earns a Net Interest Margin of 3.8%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $144.7M.
Key information
14.5x
Asset to equity ratio
3.8%
Net interest margin
Total deposits | US$2.15b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.3% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$144.73m |
Recent financial health updates
Recent updates
Orange County Bancorp (NASDAQ:OBT) Is Due To Pay A Dividend Of $0.23
May 23Here's Why We Think Orange County Bancorp (NASDAQ:OBT) Is Well Worth Watching
Feb 06Orange County Bancorp declares $0.20 dividend
Aug 18Orange County Bancorp GAAP EPS of $0.38 misses by $0.58, revenue of $20.47M beats by $0.47M
Aug 01Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OBT's Assets to Equity ratio (14.5x) is moderate.
Allowance for Bad Loans: OBT has a sufficient allowance for bad loans (441%).
Low Risk Liabilities: 94% of OBT's liabilities are made up of primarily low risk sources of funding.
Loan Level: OBT has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: OBT's Loans to Deposits ratio (79%) is appropriate.
Level of Bad Loans: OBT has an appropriate level of bad loans (0.3%).