Orange County Bancorp Inc - Asset Resilience Ratio
Orange County Bancorp Inc (OBT) has an Asset Resilience Ratio of 14.14% as of June 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See Orange County Bancorp Inc (OBT) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2015–2025)
This chart shows how Orange County Bancorp Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Orange County Bancorp Inc balance sheet assets.
Liquid Assets Composition Over Time
This chart breaks down Orange County Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore Orange County Bancorp Inc long-term investment allocation to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $395.91 Million | 14.14% |
| Total Liquid Assets | $395.91 Million | 14.14% |
Asset Resilience Insights
- Moderate Liquidity: Orange County Bancorp Inc has 14.14% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
Orange County Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare Orange County Bancorp Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for Orange County Bancorp Inc (2015–2025)
The table below shows the annual Asset Resilience Ratio data for Orange County Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 5.95% | $158.34 Million | $2.66 Billion | -11.73pp |
| 2024-12-31 | 17.68% | $443.77 Million | $2.51 Billion | -2.03pp |
| 2023-12-31 | 19.71% | $489.95 Million | $2.49 Billion | -3.61pp |
| 2022-12-31 | 23.32% | $533.46 Million | $2.29 Billion | +1.63pp |
| 2021-12-31 | 21.69% | $464.80 Million | $2.14 Billion | +1.87pp |
| 2020-12-31 | 19.83% | $330.11 Million | $1.66 Billion | -0.91pp |
| 2019-12-31 | 20.73% | $254.91 Million | $1.23 Billion | -3.26pp |
| 2018-12-31 | 24.00% | $255.54 Million | $1.06 Billion | -6.99pp |
| 2017-12-31 | 30.99% | $297.70 Million | $960.74 Million | +0.29pp |
| 2016-12-31 | 30.70% | $279.28 Million | $909.71 Million | -6.35pp |
| 2015-12-31 | 37.05% | $304.83 Million | $822.83 Million | -- |
About Orange County Bancorp Inc
Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments. It accepts various deposits, including interest-bearing and noninterest-bearing demand accounts, money market deposit accounts, savings accounts, and certifi… Read more