Orange County Bancorp is a community bank holding company based in Middletown, New York, serving small and mid-sized businesses, professionals, municipalities, and high-net-worth individuals across the Lower Hudson Valley — primarily Orange, Westchester, Rockland, and Bronx Counties. The core business is commercial banking, with a $2.0B loan portfolio dominated by commercial real estate (~76% of loans), including multifamily, retail, office, mixed-use, and industrial properties. Orange County Bancorp also originates C&I loans and smaller books of construction, residential, and consumer loans. The bank funds lending with a notably low-cost deposit base — core deposits were 93% of total deposits, with noninterest-bearing demand accounts representing 31% of total deposits. Orange County Bancorp earns its margin by capturing the spread between cheap deposit funding and loan yields. Beyond lending, Orange County Bancorp runs a trust and wealth management business through its subsidiary Orange Investment Advisors and its trust department, managing ~$1.9B in AUM for individuals, institutions, endowments, and nonprofits, with a niche in Special Needs Trusts. This segment generates fee-based revenue that is less sensitive to interest rates than the lending business. Orange County Bancorp sells through relationship bankers, many recruited from larger or recently merged competitors, and competes on speed and service rather than price. Growth is primarily organic, driven by geographic expansion within the Lower Hudson Valley and cross-selling wealth management services to its private banking clients.