GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

OBT · Jun 30, 2023

Orange County Bancorp, Inc. /DE/. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0001558370-23-014626Bank
Sequential deposit growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.deposits

5.55% · CORE · NOT_ENOUGH_HISTORY

Net-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.fundamentals.net_income

330.62% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_expense

632.10% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_income

60.90% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalents25thOwn-history percentile · N=8
Evidence method

Level · gp.fundamentals.cash

$178.6M · CORE · VALID

Sequential loan growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.loans

3.03% · CORE · NOT_ENOUGH_HISTORY

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History20 statesSelf-history eligible
Sep 30, 20210/3 normalizedLevel 3Dec 31, 20210/3 normalizedLevel 3Mar 31, 20220/3 normalizedLevel 3Jun 30, 20220/6 normalizedLevel 3Sep 30, 20220/6 normalizedLevel 3Dec 31, 20220/6 normalizedLevel 3Mar 31, 20230/6 normalizedLevel 3Jun 30, 20231/6 normalizedLevel 3Sep 30, 20233/6 normalizedLevel 3Dec 31, 20233/6 normalizedLevel 3Mar 31, 20243/6 normalizedLevel 3Jun 30, 20246/6 normalizedLevel 3Sep 30, 20245/5 normalizedLevel 3Dec 31, 20245/5 normalizedLevel 3Mar 31, 20255/5 normalizedLevel 3Jun 30, 20255/5 normalizedLevel 3Sep 30, 20255/5 normalizedLevel 3Dec 31, 20255/5 normalizedLevel 3Mar 31, 20265/5 normalizedLevel 3Jun 30, 20265/5 normalizedLevel 4
Period transition

What moved in the state?

Deposit Growth Increased
Previous
2.61%
Current
5.55%
Delta
2.94%
Earnings Growth Increased
Previous
-39.40%
Current
330.62%
Delta
370.02%
Funding Cost Growth Increased
Previous
461.22%
Current
632.10%
Delta
170.88%
Interest Income Growth Increased
Previous
52.66%
Current
60.90%
Delta
8.24%
Liquidity Increased
Previous
$165.3M
Current
$178.6M
Delta
$13.3M
Loan Growth Decreased
Previous
5.88%
Current
3.03%
Delta
-2.85%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Transitioned To · OBT Fundamental State →Has State · Orange County Bancorp, Inc. /DE/ →Transitioned To · OBT Fundamental State →Transitioned To · OBT DEPOSIT_GROWTH_INCREASED →Transitioned To · OBT EARNINGS_GROWTH_INCREASED →Transitioned To · OBT FUNDING_COST_GROWTH_INCREASED →Transitioned To · OBT INTEREST_INCOME_GROWTH_INCREASED →Transitioned To · OBT LIQUIDITY_INCREASED →Transitioned To · OBT LOAN_GROWTH_DECREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.