0001104659-26-077663 | 11-K | XBRL Viewer | Orange County Bancorp INC DE

RISKS AND UNCERTAINTIES	12 Months Ended
Dec. 31, 2025
401(K) Plan
RISKS AND UNCERTAINTIES
RISKS AND UNCERTAINTIES	NOTE F – RISKS AND UNCERTAINTIES The Plan invests in various investment securities as well as the Orange County Bancorp Inc. common stock. These investment securities are exposed to various risks such as interest rate, market, and credit risks. Due to the level of risk associated with certain investment securities, it is at least reasonably possible that changes in the values of investment securities will occur in the near term and that such changes could materially affect the amounts reported in the statement of net assets available for benefits.

NONEXEMPT TRANSACTIONS	12 Months Ended
Dec. 31, 2025
401(K) Plan
NONEXEMPT TRANSACTIONS
NONEXEMPT TRANSACTIONS	NOTE K – NONEXEMPT TRANSACTIONS During 2024, the Plan Sponsor inadvertently failed to deposit approximately $518 of participant contributions and loan repayments within the required time frame as stated by the United States Department of Labor (DOL) regulations. Those funds were funded during 2024 and the earnings, representing less than $1, were credited during 2025.

DESCRIPTION OF PLAN - Payment of Benefits (Details) - 401(K) Plan	Nov. 06, 2020 USD ($)
DESCRIPTION OF PLAN
Minimum vested balance	$ 1,000
Maximum vested balance	$ 5,000
Age to qualify for withdrawal	59 years 6 months

PLAN TERMINATION (Details)	12 Months Ended
Dec. 31, 2025
401(K) Plan
PLAN TERMINATION
Vesting percentage on termination	100.00%

SCHEDULE OF DELINQUENT PARTICIPANT CONTRIBUTIONS (Details) - 401(K) Plan - USD ($)	12 Months Ended
Dec. 31, 2025	Dec. 31, 2024
SCHEDULE OF DELINQUENT PARTICIPANT CONTRIBUTIONS
Employer identification number	26-1135778
Plan number	004
Participant contributions transferred late to plan		$ 518
Contributions corrected outside VFCP		$ 518

SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i (Details) - 401(K) Plan	12 Months Ended
	Dec. 31, 2025 USD ($)
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
Employer identification number	26-1135778
Plan number	004
Participant Loans	$ 672,981
Total Assets under investment with Principal Trust Company	$ 34,725,350
Investment, Identifier [Axis]: Baird, Registered Investment Company BAIRD AGGREGATE BOND INST FUND
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:BairdMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Mutual Funds
Current Value	$ 302,295
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: GREAT GRAY TRUST COMPANY, Common/Collective Trust INTERNATIONAL STOCK I1 FUND
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:GreatGrayTrustCompanyMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 49,800
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: GREAT GRAY TRUST COMPANY, Common/Collective Trust LARGE CAP GROWTH I1 FUND
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:GreatGrayTrustCompanyMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 1,170,214
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: GREAT GRAY TRUST COMPANY, Common/Collective Trust LARGE CAP VALUE I1 FUND
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:GreatGrayTrustCompanyMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 435,576
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: GREAT GRAY TRUST COMPANY, Common/Collective Trust SMALL CAP GR FD FEE CL I1
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:GreatGrayTrustCompanyMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 78,660
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: GREAT GRAY TRUST COMPANY, Common/Collective Trust SMALL CAP VALUE II I1 FUND
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:GreatGrayTrustCompanyMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 24,360
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: ORANGE COUNTY BANCORP, Employer Security ORANGE COUNTY BANCORP STOCK
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:OrangeCountyBancorpMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	us-gaap:CommonStockMember
Current Value	$ 3,760,136
EBP, Asset Held for Investment, Party-in-Interest [true false]	true
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: Putnam Fiduciary Trust Company, Common/Collective Trust PUTNAM STABLE VALUE FUND (15)
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:PutnamFiduciaryTrustCompanyMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 22,413
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: Reliance Trust Company, Common/Collective Trust METLIFE SV FD SER 25053 CL 0
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:RelianceTrustCompanyMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 1,942,908
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA INTL INDEX SL FD CLASS IX
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 634,738
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA RUSSELL SC IDX SEC LND II
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 784,521
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA SP 500 IDX SEC LND SER II
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 6,511,288
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA SP MCP ID SEC LND SRS XIV
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 2,022,924
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA TAR RET 2070 SEC LND IV
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 41,961
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA TARGET RET 2025 SEC LD IV
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 1,530,661
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA TARGET RET 2030 SEC LD IV
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 4,585,509
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA TARGET RET 2035 SEC LD IV
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 2,448,748
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA TARGET RET 2040 SEC LD IV
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 1,535,460
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA TARGET RET 2045 SEC LD IV
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 1,478,864
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA TARGET RET 2050 SEC LD IV
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 970,630
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA TARGET RET 2055 SEC LD IV
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 861,814
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA TARGET RET 2060 SEC LD IV
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 541,584
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA TARGET RET 2065 SEC LD IV
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 376,480
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA TARGET RET SEC LND IV FD
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 190,581
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust SSGA US IN PRO BD IDX SL CL II
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 176,727
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust STATE STREET REIT INDEX II
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 234,743
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Common/Collective Trust STATE STREET US BD ID SL XIV
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Collective Investment Funds
Current Value	$ 97,485
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Interest Bearing Cash SS CASH SER US GOVT FD CL G
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Money Market Accounts
Current Value	$ 1,111,249
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Investment, Identifier [Axis]: STATE STREET GLOBAL ADV TRUST CO, Registered Investment Company STATE ST US LG GOV BD IDX NL C
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
EBP, Investment, Issuer Name [Extensible Enumeration]	obt:StateStreetGlobalAdvTrustCoMember
EBP, Investment, Current Value, Type [Extensible Enumeration]	Mutual Funds
Current Value	$ 130,040
EBP, Asset Held for Investment, Investment, Excluding Plan Interest in Master Trust, Participation Status [Extensible Enumeration]	us-gaap-ebp:EmployeeBenefitPlanParticipantDirectedMember
Minimum
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
Loan interest rate	4.25%
Maximum
SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i
Loan interest rate	9.50%

RELATED PARTY TRANSACTIONS (Details) - 401(K) Plan - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
RELATED PARTY TRANSACTIONS
Fair Value of Orange County Bancorp Inc. common stock owned by the ESOP	$ 34,272,046	$ 31,262,074
Common Stock
RELATED PARTY TRANSACTIONS
Number of Orange County Bancorp, Inc. shares		39,146
Fair Value of Orange County Bancorp Inc. common stock owned by the ESOP	$ 3,760,136	$ 3,595,095
Common Stock \| Orange County Bancorp, Inc.
RELATED PARTY TRANSACTIONS
Number of Orange County Bancorp, Inc. shares	131,704	125,922
Percentage of Orange County Bancorp Inc. common stock owned by the ESOP	0.99%	1.10%
Cost bases of Orange County Bancorp Inc. common stock owned by the ESOP	$ 3,320,030	$ 1,303,763
Fair Value of Orange County Bancorp Inc. common stock owned by the ESOP	$ 3,760,136	$ 3,498,743

- Definition

Fair value of investment, excluding plan interest in master trust, held by employee stock purchase, saving, or similar plan (employee benefit plan (EBP)). Includes, but is not limited to, derivative, investment measured at net asset value per share as practical expedient, and insurance contract not meeting fully-benefit responsive investment criteria.

+ References

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-Paragraph 5
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477509/962-325-45-5

Reference 22: http://www.xbrl.org/2003/role/exampleRef
-Topic 962
-SubTopic 325
-Name Accounting Standards Codification
-Section 45
-Paragraph 5
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477509/962-325-45-5

+ Details

ORANGE COUNTY BANCORP INC., STOCK FUND (Details) - 401(K) Plan - USD ($)	12 Months Ended
	Dec. 31, 2024	Dec. 31, 2025
ORANGE COUNTY BANCORP INC., STOCK FUND
Fair Value of Orange County Bancorp Inc. common stock owned by the ESOP	$ 31,262,074	$ 34,272,046
Orange County Bancorp, Inc. Stock Fund
ORANGE COUNTY BANCORP INC., STOCK FUND
Fair Value of Orange County Bancorp Inc. common stock owned by the ESOP	$ 3,595,095	3,760,136
Number of shares	39,146
Value per unit	$ 91.84
Fidelity Institutional Money Market Funds
ORANGE COUNTY BANCORP INC., STOCK FUND
Fair Value of Orange County Bancorp Inc. common stock owned by the ESOP	$ 96,352
Orange County Bancorp, Inc. Stock
ORANGE COUNTY BANCORP INC., STOCK FUND
Fair Value of Orange County Bancorp Inc. common stock owned by the ESOP	$ 3,498,743	$ 3,760,136
Number of shares	125,922	131,704

- Definition

+ References

+ Details

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies) - 401(K) Plan	12 Months Ended
	Dec. 31, 2025
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Basis of Accounting	Basis of Accounting The accompanying financial statements are prepared on the accrual basis of accounting.
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires the Plan’s administrator to make estimates and assumptions that affect the reported amounts of assets and liabilities and changes therein, and disclosure of contingent assets and liabilities. Accordingly, actual results could differ from those estimates.
Investment Valuation and Income Recognition.	Investment Valuation and Income Recognition. Investments are reported at fair value. Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. See Note D for discussion of fair value measurements and see Note E for discussion of the fair value measurements of the ESOP components. Purchases and sales of securities are recorded on a trade-date basis. Interest income is recorded on the accrual basis. Dividends are recorded on the ex-dividend date. Net appreciation (depreciation) includes the Plan’s gains and losses on investments bought and sold as well as held during the year.
Payment of Benefits.	Payment of Benefits. Benefit payments to participants are recorded upon distribution.
Notes Receivable From Participants	Notes Receivable From Participants Notes receivable from participants are measured at their unpaid principal balance plus any accrued but unpaid interest. Interest income is recorded on the accrual basis. Related fees are recorded as administrative expenses and are expensed when they are incurred.
Contributions	Contributions Contributions from Plan participants and the matching contributions from the Bank are recorded in the year in which the employee contributions are withheld from compensation.
Operating Expenses.	Operating Expenses. Certain expenses of maintaining the Plan are paid by the Plan, unless otherwise paid by the Bank. Expenses that are paid by the Bank are excluded from these financial statements. Fees related to the administration of notes receivable from participants are charged directly to the participant’s account and are included in administrative expenses. Investment related expenses are included in net appreciation (depreciation) of fair value of investments.

- Definition

Disclosure of accounting policy for use of estimate in preparation of financial statement of employee stock purchase, saving, or similar plan (employee benefit plan (EBP)).

+ References + Details

SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i

12 Months Ended

Dec. 31, 2025

401(K) Plan

SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i

SCHEDULE OF ASSETS (HELD AT YEAR END) - SCHEDULE H, PART IV, LINE 4i

ORANGE COUNTY BANCORP, INC. 401(K) Plan

SCHEDULE OF ASSETS (HELD AT YEAR END) – SCHEDULE H, PART IV, LINE 4i

AS OF DECEMBER 31, 2025

SCHEDULE H, line 4i −SCHEDULE OF ASSETS (HELD AT END OF YEAR)

O C B, I. 401() P EIN 26 1135778

PLAN NUMBER 004

PLAN YEAR 01/01/2025 TO 12/31/2025

CGS2339 ANNUITY CONTRACT NUMBER 4-77972


(A)		(B)		(C)		(D)		(E)
		Identity of issuer, borrower, lessor or		Description of investment including maturity date, rate of interest,		Cost⁽¹⁾		Current
		similar party.		collateral, par or maturity value.				Value
		Baird		Registered Investment Company BAIRD AGGREGATE BOND INST FUND				$	302,295
		GREAT GRAY TRUST COMPANY		Common/Collective Trust INTERNATIONAL STOCK I1 FUND					49,800
		GREAT GRAY TRUST COMPANY		Common/Collective Trust LARGE CAP GROWTH I1 FUND					1,170,214
		GREAT GRAY TRUST COMPANY		Common/Collective Trust LARGE CAP VALUE I1 FUND					435,576
		Reliance Trust Company		Common/Collective Trust METLIFE SV FD SER 25053 CL 0					1,942,908
*		ORANGE COUNTY BANCORP		Employer Security ORANGE COUNTY BANCORP STOCK					3,760,136
		Putnam Fiduciary Trust Company		Common/Collective Trust PUTNAM STABLE VALUE FUND (15)					22,413
		GREAT GRAY TRUST COMPANY		Common/Collective Trust SMALL CAP GR FD FEE CL I1					78,660
		GREAT GRAY TRUST COMPANY		Common/Collective Trust SMALL CAP VALUE II I1 FUND					24,360
		STATE STREET GLOBAL ADV TRUST CO		Interest Bearing Cash SS CASH SER US GOVT FD CL G					1,111,249
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA INTL INDEX SL FD CLASS IX					634,738
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA RUSSELL SC IDX SEC LND II					784,521
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA SP MCP ID SEC LND SRS XIV					2,022,924
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA SP 500 IDX SEC LND SER II					6,511,288
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA TAR RET 2070 SEC LND IV					41,961
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA TARGET RET SEC LND IV FD					190,581
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA TARGET RET 2025 SEC LD IV					1,530,661
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA TARGET RET 2030 SEC LD IV					4,585,509
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA TARGET RET 2035 SEC LD IV					2,448,748
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA TARGET RET 2040 SEC LD IV					1,535,460
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA TARGET RET 2045 SEC LD IV					1,478,864
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA TARGET RET 2050 SEC LD IV					970,630
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA TARGET RET 2055 SEC LD IV					861,814
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA TARGET RET 2060 SEC LD IV					541,584
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA TARGET RET 2065 SEC LD IV					376,480
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust SSGA US IN PRO BD IDX SL CL II					176,727
		STATE STREET GLOBAL ADV TRUST CO		Registered Investment Company STATE ST US LG GOV BD IDX NL C					130,040
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust STATE STREET REIT INDEX II					234,743
		STATE STREET GLOBAL ADV TRUST CO		Common/Collective Trust STATE STREET US BD ID SL XIV					97,485
*		Participant Loans		Range of Interest Rates Range From 4.25% To 9.50%					672,981

				Total Assets under investment with Principal Trust Company				$	34,725,350

(1)	Cost information is not required for participant directed investments.

There were no investment assets which were both acquired and disposed of within the plan year. See report of independent registered public accounting firm.

STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS - 401(K) Plan - USD ($)	Dec. 31, 2025	Dec. 31, 2024
Investments, at fair value:
Total Investments	$ 34,272,046	$ 31,262,074
Receivables:
Notes Received from Participants	672,981	466,402
Participant contributions	58,135
Employer contributions	58,983
Total Receivables	790,099	466,402
Total Assets	35,062,145	31,728,476
NET ASSETS AVAILABLE FOR BENEFITS	35,062,145	31,728,476
Money Market Accounts
Investments, at fair value:
Total Investments	1,111,249	864,261
Collective Investment Funds
Investments, at fair value:
Total Investments	29,098,366	26,445,580
Mutual Funds
Investments, at fair value:
Total Investments	302,295	357,138
Orange County Bancorp, Inc. Stock Fund
Investments, at fair value:
Total Investments	$ 3,760,136	$ 3,595,095

DESCRIPTION OF PLAN	12 Months Ended
DESCRIPTION OF PLAN	Dec. 31, 2025
401(K) Plan
DESCRIPTION OF PLAN
DESCRIPTION OF PLAN	NOTE A - DESCRIPTION OF PLAN The following brief description of the Orange County Bancorp, Inc. 401(k) Plan (the “Plan”) is provided for general information purposes only. Participants should refer to the Plan agreement for more complete information. General. The Orange Bank & Trust Company (the “Bank”), formerly known as Orange County Bank and Trust Company established the Orange County Trust Company Employee Stock Ownership Plan with Section 401(k) Provisions effective as of January 1, 1993. As of January 1, 2016, the Orange County Trust Company Employee Stock Ownership Plan was amended and restated to provide for the transfer of the sponsorship of the Plan from Orange County Trust Company to Orange County Bancorp, Inc. and that the Plan allow for automatic enrollment for new hires and safe harbor non-elective contribution. It is intended that the Plan be a qualified profit-sharing plan within the meaning of Section 401(a) of the Internal Revenue Code of 1986, as amended (the “Code”), that the requirements of Code Sections 401(k) or 414(v) be satisfied as to that portion of the Plan applicable to Before-Tax Contributions, that the requirements of Code Section 401(m) be satisfied as to that portion of the Plan applicable to Employer Matching Contributions, and that the Trust or other funding vehicle associated with the Plan be exempt from Federal income tax pursuant to the provisions of Code Section 501(a). The Plan is intended to include a stock bonus plan qualified under Code Section 401(a) and a non-leveraged employee stock ownership plan (ESOP) satisfying the requirements of Code Sections 401(a), 409 and 4975e. The ESOP component of the Plan is designed to be invested primarily in employer securities within the meaning of Code Section 4975(e)(8) and such, the primary investment of the ESOP shall be the Orange County Bancorp, Inc. Stock Fund. The Plan is subject to the applicable provisions of the Employee Retirement Income Security Act of 1974, as amended (ERISA). The Plan was administered by Pentegra Services, Inc. (“Pentegra”) during 2024 and until November 2025. Beginning in November 2025, Principal Trust Company (“Principal”) became the administrator of the Plan. Empower Trust Company LLC was the recordkeeper between January and November 2025. During November 2025, the recordkeeping of the Plan was transferred and converted to Principal. Eligibility. Effective November 15, 2025, employees of the Bank who have attained the age of 18 are eligible to participate in the Plan and receive employer contributions after 6 months of service provided they have at least 500 hours of service. Prior to November 15, 2025, employees of the Bank who have attained the age of 18 were eligible to participate in the Plan after 6 months of service, provided they have at least 1000 hours of service. A Participant, prior to November 15, 2025, was eligible to receive Employer Matching Contributions and Discretionary Employer contributions upon attaining age of 21 and completing a year of service, provided they have at least 1,000 hours of service. Contributions. Each year, participants may contribute up to the annual maximum determined by the Internal Revenue Code, as defined in the Plan. Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions. The Plan allows for Pre-Tax and Roth Elective Deferrals. Participants may designate all or a portion of their deferrals as Roth Elective Deferrals. Each employee who becomes eligible to participate in the Plan after January 1, 2016 and who has not specifically elected to make salary reduction contributions will be automatically enrolled for pre-tax salary reduction contributions at a rate of 6% of base pay. Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans. Participants direct the investment of their contributions into various investment options offered by the Plan. The Bank makes additional contributions to eligible participant accounts. Effective for Plan years beginning after January 1, 2016, to satisfy the requirements of IRC sections 401(k)(12), the Bank will make safe harbor non-elective contributions equal to 3% of eligible participants annual compensation. Effective June 1, 2025, eligible participants receive employer matching contributions up to 4% of base compensation. Effective for Plan years beginning after January 1, 2016, to satisfy the requirements of IRC sections 401(k)(12), the Bank will make safe harbor non-elective contributions equal to 3% of eligible participants annual compensation. Participant Accounts Each participant’s account is credited with the participant’s contribution and allocations of (a) the Bank’s contribution and, (b) Plan earnings (losses), and charged with an allocation of any administrative expenses paid by the Plan. Allocations are based on participant earnings or account balances, as defined. The benefit to which a participant is entitled is the benefit that can be provided from the participant’s vested account. Vesting Participants are immediately vested in before tax contributions, Roth contributions, rollover contributions, Employer’s safe harbor non-election contribution, Employer’s discretionary contributions and actual earnings thereon. Vesting in any Employer’s matching contribution portion of the participant accounts is based on years of continuous service. Effective June 1, 2025, a participant is vested 33% a year and is 100% vested after three years of credited service. Prior to June 1, 2025, a participant was vested 20% a year and was 100% vested after five years of credited service. Notes Receivable from Participants Participants may borrow from their fund accounts a minimum of $1,000 up to a maximum equal to the lesser of $50,000 or 50% of their account balance. The notes are secured by the balance in the participant’s account and bear a reasonable interest rate equal to the prevailing rate charged by lenders for similar loans as determined by the Bank. The interest rates are between 4.25% and 9.50% as of December 31, 2025. Principal and interest are paid ratably through bi-weekly payroll deductions. Payment of Benefits On termination of service due to death, disability or retirement, a participant may elect to receive either a lump-sum amount equal to the value of the participant’s vested interest in his or her account or in monthly, quarterly, semiannual or annual installments; provided, however that such period shall not extend beyond the participant’s life expectancy or the life expectancy of the participant and his/her designated beneficiary. Effective November 6, 2020, the Plan was amended to permit an automatic rollover of a participant’s vested account balance between $1,000 and $5,000 in the event the participant does not make a distribution election under the Plan. In accordance with the Plan provisions, participants may make withdrawals from their accounts. To qualify for a withdrawal, participants must attain age 59-1/2, establish permanent or total disability, or demonstrate financial hardship as defined under the Plan. Funds available for a hardship withdrawal are limited to a participant’s need and may not exceed the total of the participant’s contributions, certain Bank contributions, and earnings in the Plan as defined. Eligibility for a hardship withdrawal is defined as the need for uninsured medical expenses, purchase of a participant’s principal residence, payment of post-high school tuition, to prevent the loss of residence, payment for burial or funeral expenses for a parent, child, spouse or dependent, or expenses for the repair of damage to the employee’s principal residence under Internal Revenue Code Section 165. Forfeited Accounts At December 31, 2025 and 2024 forfeited non-vested account balances were $0. This account would be used to reduce future employer matching contributions to the plan and then to pay administrative expenses of the Plan. For the year ended December 31, 2025, administrative expenses were reduced by $1,574 from forfeited nonvested accounts.

SCHEDULE OF DELINQUENT PARTICIPANT CONTRIBUTIONS

12 Months Ended

Dec. 31, 2025

401(K) Plan

SCHEDULE OF DELINQUENT PARTICIPANT CONTRIBUTIONS

SCHEDULE OF DELINQUENT PARTICIPANT CONTRIBUTIONS

SCHEDULE H, LINE 4a - SCHEDULE OF DELINQUENT PARTICIPANT CONTRIBUTIONS

E.I.N. 26-1135778 Plan Number 004

Year Ended December 31, 2025

 

Participant

 

Total Fully

Contributions

Corrected

Transferred Late

Total that Constitute Nonexempt

Under VFCP

to Plan

Prohibited Transactions

and PTE

2002-51

Check here if Late

Description of Transaction

Participant Loan

Contributions

Repayments are

Contributions

Corrected

Pending Correction

included: X

Not Corrected

Outside VFCP

in VFCP

Delinquent contributions for the year ended December 31, 2024

518

—

518

—

See report of independent registered public accounting firm.

RELATED PARTY TRANSACTIONS

12 Months Ended

Dec. 31, 2025

401(K) Plan

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS

NOTE J – RELATED PARTY TRANSACTIONS

The Plan’s investments consist of common stock from the Bank’s parent company Orange County Bancorp, Inc.

The following table presents the ESOP holdings of Orange County Bancorp, Inc. common stock as of the dates indicated:


		December 31,
		2025			2024
Number of Orange County Bancorp, Inc. shares			131,704			125,922
Percentage of Orange County Bancorp Inc. common stock owned by the ESOP			0.99	%		1.10	%
Cost bases of Orange County Bancorp Inc. common stock owned by the ESOP		$	3,320,030		$	1,303,763
Fair Value of Orange County Bancorp Inc. common stock owned by the ESOP		$	3,760,136		$	3,498,743

NOTE: Share information has been restated for the effect of the 2025 Stock Split.

The Plan holds promissory notes receivable from Plan Participants who are employees of the Bank. See Note A for promissory note terms provided to the participants.

Certain Plan investments are shares of Orange County Bancorp, Inc. common stock and units of Collective Investment Trusts managed by Principal. As of December 31, 2025, Orange County Bancorp, Inc. is the Plan sponsor and Principal is the custodian and the third party administrator, as defined by the Plan, and therefore, these transactions qualify as party-in-interest transactions. During 2025, the Plan sold 33,771 shares of Orange County Bancorp, Inc. common stock with a fair value of $864,321, purchased 33,503 shares of Orange County Bancorp Inc. common stock with a fair value of $852,724 and the Plan recorded dividend income of $57,490 from shares of Orange County Bancorp, Inc. common stock.

FAIR VALUE MEASUREMENTS

12 Months Ended

Dec. 31, 2025

401(K) Plan

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS

NOTE D - FAIR VALUE MEASUREMENTS

The Plan’s investments are reported at fair value in the accompanying statements of net assets available for benefits. The methods used to measure fair value may produce an amount that may not be indicative of net realizable value or reflective of future fair values. Furthermore, although the Plan believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to measure the fair value of certain financial instruments could result in a different fair value at the reporting date.

Financial Accounting Standards Board (FASB) Accounting Standards Codification (ASC) Topic 820, Fair Value Measurements and Disclosures, provides the framework for measuring fair value. That framework provides a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (level 1 measurements) and the lowest priority to unobservable inputs (level 3 measurements). The three levels of the fair value hierarchy under FASB ASC 820 are described as follows:

Level 1: Inputs to the valuation methodology are unadjusted quoted prices for identical assets or liabilities in active markets that the Plan has the ability to access.

Level 2: Inputs to the valuation methodology include:

●

Quoted prices for similar assets or liabilities in active markets;

●

Quoted prices for identical or similar assets or liabilities in inactive markets;

●

Inputs other than quoted market prices that are observable for the asset or liability;

●

Inputs that are derived principally from or corroborated by observable market data by correlation or other means.

If the asset or liability has a specified (contractual) term, the Level 2 input must be observable for substantially the full term of the asset or liability.

Level 3: Inputs to the valuation methodology are unobservable and significant to the fair value measurement.

Following is a description of the valuation methodologies used for assets measured at fair value. There have been no changes in the methodologies used at December 31, 2025 and 2024.

●

The Mutual Funds are valued at the daily closing price as reported by the fund. Mutual funds held by the Plan are open-end mutual funds that are registered with the SEC. These funds are required to publish their daily net asset value (NAV) and to transact at that price. The mutual funds held by the Plan are deemed to be actively traded.

●

The Collective Investment Funds are valued at the NAV of the units held by the custodian at year end. Unit values are determined by dividing the funds’ net assets, which represent the unadjusted prices in active markets of the underlying investments, by the number of units outstanding at the valuation date. Participant transactions (purchases and sales) may occur daily. Were the Plan to initiate a full redemption of the collective investment fund, the investment adviser reserves the right to temporarily delay withdrawal from the fund in order to ensure that securities liquidations will be carried out in an orderly business manner.

●

The Orange County Bancorp, Inc. Stock Fund is a unitized stock fund. The fund consists of both Orange County Bancorp, Inc. common stock and a short-term cash component that provides liquidity for daily trading. Orange County Bancorp, Inc. common stock is valued at the quoted market price from a national securities exchange, and the short-term cash investment is valued at cost, which approximates fair value.

The asset’s or liability’s fair value measurement level within the fair value hierarchy is based on the lowest level of any input that is significant to the fair value measurement. Valuation techniques used need to maximize the use of observable inputs and minimize the use of unobservable inputs.

All of the Plan’s investments are in a trust which was established for the investment of assets of the Plan. The assets of the trust are held by Principal, custodian of the Plan.

The following tables set forth by level, within the fair value hierarchy, the Plan’s assets at fair value for the periods indicated:


		At December 31, 2025
		Quoted Prices			Significant Other			Significant
		in Active Markets			Observable Inputs			Observable Inputs
		(Level 1)			(Level 2)			(Level 3)			Total
Money Market Accounts		$	1,111,249		$	—		$	—		$	1,111,249
Mutual Funds			302,295			—			—			302,295
Collective Investment Funds			—			29,098,366			—			29,098,366
Orange County Bancorp, Inc. Stock Fund			3,760,136			—			—			3,760,136
Total Investments		$	5,173,680		$	29,098,366		$	—		$	34,272,046


		At December 31, 2024
		Quoted Prices			Significant Other			Significant
		in Active Markets			Observable Inputs			Observable Inputs
		(Level 1)			(Level 2)			(Level 3)			Total
Money Market Accounts		$	864,261		$	—		$	—		$	864,261
Mutual Funds			357,138			—			—			357,138
Collective Investment Funds			—			26,445,580			—			26,445,580
Orange County Bancorp, Inc. Stock Fund			3,595,095			—			—			3,595,095
Total Investments		$	4,816,494		$	26,445,580		$	—		$	31,262,074

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-3

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-3

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 962
-SubTopic 325
-Name Accounting Standards Codification
-Section 45
-Paragraph 5
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477509/962-325-45-5

Reference 4: http://www.xbrl.org/2003/role/exampleRef
-Topic 962
-SubTopic 325
-Name Accounting Standards Codification
-Section 45
-Paragraph 5
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477509/962-325-45-5

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Topic 962
-SubTopic 325
-Name Accounting Standards Codification
-Section 45
-Paragraph 5
-Subparagraph (j)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477509/962-325-45-5

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 14: http://www.xbrl.org/2003/role/exampleRef
-Topic 962
-SubTopic 325
-Name Accounting Standards Codification
-Section 45
-Paragraph 5
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477509/962-325-45-5

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 962
-SubTopic 205
-Name Accounting Standards Codification
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The entire disclosure for fair value of investment held by employee stock purchase, saving, or similar plan (employee benefit plan (EBP)), including, but not limited to, fair value measured at net asset value per share as practical expedient (NAV).

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+ Details

STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS - 401(K) Plan	12 Months Ended
	Dec. 31, 2025 USD ($)
Investment Income:
Net appreciation in fair value investments	$ 4,392,541
Dividend and interest income	57,490
Total Investment Income	4,450,031
Interest income on notes receivable from participants	43,504
Contributions:
Participants	1,878,749
Rollover	157,806
Employer	1,552,359
Total Contributions	3,588,914
TOTAL ADDITIONS	8,082,449
DEDUCTIONS
Benefits paid to participants	4,694,588
Administrative expenses	54,192
TOTAL DEDUCTIONS	4,748,780
NET INCREASE	3,333,669
NET ASSETS AVAILABLE FOR BENEFITS BEGINNING OF YEAR	31,728,476
NET ASSETS AVAILABLE FOR BENEFITS END OF YEAR	$ 35,062,145

FAIR VALUE MEASUREMENTS (Details) - 401(K) Plan - USD ($)	Dec. 31, 2025	Dec. 31, 2024
FAIR VALUE MEASUREMENTS
Total Investments	$ 34,272,046	$ 31,262,074
Money Market Accounts
FAIR VALUE MEASUREMENTS
Total Investments	1,111,249	864,261
Mutual Funds
FAIR VALUE MEASUREMENTS
Total Investments	302,295	357,138
Collective Investment Funds
FAIR VALUE MEASUREMENTS
Total Investments	29,098,366	26,445,580
Orange County Bancorp, Inc. Stock Fund
FAIR VALUE MEASUREMENTS
Total Investments	3,760,136	3,595,095
Quoted Prices in Active Markets (Level 1)
FAIR VALUE MEASUREMENTS
Total Investments	5,173,680	4,816,494
Quoted Prices in Active Markets (Level 1) \| Money Market Accounts
FAIR VALUE MEASUREMENTS
Total Investments	1,111,249	864,261
Quoted Prices in Active Markets (Level 1) \| Mutual Funds
FAIR VALUE MEASUREMENTS
Total Investments	302,295	357,138
Quoted Prices in Active Markets (Level 1) \| Orange County Bancorp, Inc. Stock Fund
FAIR VALUE MEASUREMENTS
Total Investments	3,760,136	3,595,095
Significant Other Observable Inputs (Level 2)
FAIR VALUE MEASUREMENTS
Total Investments	29,098,366	26,445,580
Significant Other Observable Inputs (Level 2) \| Collective Investment Funds
FAIR VALUE MEASUREMENTS
Total Investments	$ 29,098,366	$ 26,445,580

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

FAIR VALUE MEASUREMENTS (Tables)

12 Months Ended

Dec. 31, 2025

401(K) Plan

FAIR VALUE MEASUREMENTS

Schedule of Plan's Assets Fair Value Hierarchy


		At December 31, 2025
		Quoted Prices			Significant Other			Significant
		in Active Markets			Observable Inputs			Observable Inputs
		(Level 1)			(Level 2)			(Level 3)			Total
Money Market Accounts		$	1,111,249		$	—		$	—		$	1,111,249
Mutual Funds			302,295			—			—			302,295
Collective Investment Funds			—			29,098,366			—			29,098,366
Orange County Bancorp, Inc. Stock Fund			3,760,136			—			—			3,760,136
Total Investments		$	5,173,680		$	29,098,366		$	—		$	34,272,046


		At December 31, 2024
		Quoted Prices			Significant Other			Significant
		in Active Markets			Observable Inputs			Observable Inputs
		(Level 1)			(Level 2)			(Level 3)			Total
Money Market Accounts		$	864,261		$	—		$	—		$	864,261
Mutual Funds			357,138			—			—			357,138
Collective Investment Funds			—			26,445,580			—			26,445,580
Orange County Bancorp, Inc. Stock Fund			3,595,095			—			—			3,595,095
Total Investments		$	4,816,494		$	26,445,580		$	—		$	31,262,074

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

- Definition

Tabular disclosure of fair value of investment held by employee stock purchase, saving, or similar plan (employee benefit plan (EBP)), including, but not limited to, fair value measured at net asset value per share as practical expedient (NAV).

+ References

+ Details

RELATED PARTY TRANSACTIONS - Narratives (Details) - 401(K) Plan - Common Stock - Orange County Bancorp, Inc.	12 Months Ended
	Dec. 31, 2025 USD ($) shares
RELATED PARTY TRANSACTIONS
Number of shares sold \| shares	33,771
Fair value of shares sold	$ 864,321
Number of shares purchased \| shares	33,503
Fair value of shares purchased	$ 852,724
Dividend income	$ 57,490

ADMINISTRATION OF PLAN ASSETS	12 Months Ended
ADMINISTRATION OF PLAN ASSETS	Dec. 31, 2025
401(K) Plan
ADMINISTRATION OF PLAN ASSETS
ADMINISTRATION OF PLAN ASSETS	NOTE G – ADMINISTRATION OF PLAN ASSETS The Plan’s assets which consist of Orange County Bancorp, Inc. common stock, mutual funds, and various collective investment funds, were held and maintained by Reliance Trust Company through February 2024 and subsequently by Empower Trust Company, LLC, through November 15, 2025, and subsequently by Principal. Pentegra Services, Inc. was the third party administrator of the Plan through November 2025. During November 2025, Principal became the third-party administrator and the custodian of the Plan. Pentegra, and its successor Principal, in conjunction with the custodians noted above receive the participant contributions and invest the contributions to the participant accounts according to the investment allocation selected by the participant. Pentegra, and its successor Principal, in conjunction with the custodians maintained the participant accounts including processing distributions and advances and payments to participant loans. Certain administrative functions are performed by the officers or employees of the Bank. No such officer or employee receives compensation from the Plan.

Document and Entity Information	12 Months Ended
Document and Entity Information	Dec. 31, 2025
Document Information [Line Items]
Document Type	11-K
Entity Registrant Name	Orange County Bancorp, Inc.
Entity Central Index Key	0001754226
Amendment Flag	false
401(K) Plan
Document Information [Line Items]
Document Type	11-K
Entity Tax Identification Number	26-1135778
Amendment Flag	false

DESCRIPTION OF PLAN - Vesting (Details) - 401(K) Plan	Jun. 01, 2025	May 31, 2025
DESCRIPTION OF PLAN
Vesting percentage, per year	33.00%	20.00%
Vesting percentage	100.00%	100.00%
Vesting period	3 years	5 years

CONCENTRATIONS (Details) - 401(K) Plan - USD ($)	12 Months Ended
CONCENTRATIONS (Details) - 401(K) Plan - USD ($)	Dec. 31, 2025	Dec. 31, 2024
CONCENTRATIONS
Number of investments	2	2
Percentage of net assets available for benefits	31.00%	33.00%
Orange County Bancorp, Inc. Stock Fund
CONCENTRATIONS
Percentage of net assets available for benefits	11.00%	11.00%

CONCENTRATIONS	12 Months Ended
CONCENTRATIONS	Dec. 31, 2025
401(K) Plan
CONCENTRATIONS
CONCENTRATIONS	NOTE I - CONCENTRATIONS Plan investments in the ESOP consist of common stock of Orange County Bancorp, Inc. which represents 11% of Net Assets Available for Benefits as of December 31, 2025 and 2024, respectively. Additionally, as of December 31, 2025 and 2024, the Plan held two investments representing 31% of total net assets available for benefits and two investments representing 33% of total net assets available for benefits, respectively.

DESCRIPTION OF PLAN - Notes Receivable from Participants (Details) - 401(K) Plan	12 Months Ended
	Dec. 31, 2025 USD ($)
DESCRIPTION OF PLAN
Note receivable, minimum borrowing amount	$ 1,000
Note receivable, maximum borrowing amount	$ 50,000
Note receivable, maximum borrowing percentage	50.00%
Minimum
DESCRIPTION OF PLAN
Loan interest rate	4.25%
Maximum
DESCRIPTION OF PLAN
Loan interest rate	9.50%

NONEXEMPT TRANSACTIONS (Details)	12 Months Ended
NONEXEMPT TRANSACTIONS (Details)	Dec. 31, 2024 USD ($)
401(K) Plan
NONEXEMPT TRANSACTIONS
Undeposited amount	$ 518

TAX STATUS	12 Months Ended
TAX STATUS	Dec. 31, 2025
401(K) Plan
TAX STATUS
TAX STATUS	NOTE C – TAX STATUS The Plan adopted the Principal Financial Group ESOP/KSPO pre-approved plan, which received an opinion letter from the Internal Revenue Service (“IRS”) dated June 30, 2020, stating that the written form of the underlying volume submitter plan document is qualified under Section 401(a) and 4975(e)(7) of the IRC. Although the Plan has been amended since receiving the determination letter, the Plan administrator and the Plan’s tax counsel believe that the Plan is designed, and is currently being operated, in compliance with the applicable requirements of the IRC and, therefore, believe that the Plan is qualified, and the related trust is tax-exempt. Accounting principles generally accepted in the United States of America require plan management to evaluate tax positions taken by the plan and recognize a tax liability if the plan has taken an uncertain position that more likely than not would not be sustained upon examination by the taxing authorities. The Plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The Plan administrator believes it is no longer subject to income tax examinations for years prior to 2022.

TAX STATUS (Details) - 401(K) Plan	Jun. 30, 2020
TAX STATUS
Determination letter obtained	true
Determination letter date	Jun. 30, 2020
Tax qualification status	us-gaap:QualifiedPlanMember

DESCRIPTION OF PLAN - Eligibility (Details) - 401(K) Plan	Nov. 15, 2025 age USD ($)	Nov. 14, 2025 age USD ($)
DESCRIPTION OF PLAN
Age for Plan eligibility \| age	18	18
Minimum service period for Plan eligibility	6 months	6 months
Minimum service hours for Plan eligibility \| $	500	1,000
Age for Employer Matching and Discretionary Employer contributions eligibility \| age		21
Minimum service hours for Employer Matching and Discretionary Employer contributions eligibility \| $		1,000