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

OBT · Dec 31, 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

Filing0001558370-24-004354Bank
Sequential deposit growth11thOwn-history percentile · N=9
Evidence method

Sequential · gp.financial.deposits

-3.15% · CORE · VALID

Net-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.fundamentals.net_income

21.00% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_expense

378.88% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_income

39.83% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalents10thOwn-history percentile · N=10
Evidence method

Level · gp.fundamentals.cash

$147.4M · CORE · VALID

Sequential loan growth44thOwn-history percentile · N=9
Evidence method

Sequential · gp.financial.loans

2.37% · CORE · VALID

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
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
-1.55%
Current
-3.15%
Delta
-1.60%
Earnings Growth Increased
Previous
15.09%
Current
21.00%
Delta
5.91%
Funding Cost Growth Decreased
Previous
432.82%
Current
378.88%
Delta
-53.94%
Interest Income Growth Increased
Previous
31.78%
Current
39.83%
Delta
8.05%
Liquidity Decreased
Previous
$158.7M
Current
$147.4M
Delta
-$11.3M
Loan Growth Increased
Previous
-0.37%
Current
2.37%
Delta
2.75%
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

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.