<SEC-DOCUMENT>0000943374-25-000448.txt : 20251030
<SEC-HEADER>0000943374-25-000448.hdr.sgml : 20251030
<ACCEPTANCE-DATETIME>20251029182119
ACCESSION NUMBER:		0000943374-25-000448
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20251029
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20251030
DATE AS OF CHANGE:		20251029

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Orange County Bancorp, Inc. /DE/
		CENTRAL INDEX KEY:			0001754226
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				261135778
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-40711
		FILM NUMBER:		251431497

	BUSINESS ADDRESS:	
		STREET 1:		212 DOLSON AVENUE
		CITY:			MIDDLETOWN
		STATE:			NY
		ZIP:			10940
		BUSINESS PHONE:		(845) 341-5000

	MAIL ADDRESS:	
		STREET 1:		212 DOLSON AVENUE
		CITY:			MIDDLETOWN
		STATE:			NY
		ZIP:			10940
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
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<DESCRIPTION>ORANGE COUNTY BANCORP, INC. FORM 8-K OCTOBER 29, 2025
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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">UNITED STATES</div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">WASHINGTON, D.C. 20549</div>

    <div><br/>
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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 14pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_f022b251d8f545a2b2a2838340979cf9" contextRef="c20251029to20251029">8-K</ix:nonNumeric></div>

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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">CURRENT REPORT</div>

    <div><br/>
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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">PURSUANT TO SECTION 13 OR 15(D) OF</div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">THE SECURITIES EXCHANGE ACT OF 1934</div>

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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(Exact Name of Registrant as Specified in Charter)</div>

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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">of Incorporation)</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Identification No.)</div>
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    <td colspan="3" style="width: 67.14%; vertical-align: bottom;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(Address of Principal Executive Offices)</div>
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            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(Zip Code)</div>
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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="text-decoration: underline;">Not Applicable</span></div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(Former name or former address, if changed since last report)</div>

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    </div>

    <div><br/>
    </div>

    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the
      following provisions (see General Instruction A.2. below):</div>

    <div><br/>
    </div>

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    <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
          </td>

  </tr>


</table>
    <div><br/>
    </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0;" class="DSPFListTable">


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    <td style="width: 27pt; vertical-align: top; font-family: 'Times New Roman',Times,serif; font-size: 12pt; text-align: center;"><ix:nonNumeric name="dei:SolicitingMaterial" id="Fact_2889b18a550940f79622590c854cf9fa" contextRef="c20251029to20251029" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric><br/>
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    <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
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</table>
    <div><br/>
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    <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
          </td>

  </tr>


</table>
    <div><br/>
    </div>

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    <td style="width: auto; vertical-align: top; text-align: justify;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
          </td>

  </tr>


</table>
    <div><br/>
    </div>

    <div style="text-align: left; margin-top: 4pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Securities registered pursuant to Section&#160;12(b) of the Act:</div>

    <div style="margin-top: 4pt;"><br/>
    </div>

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    <td style="width: 37.99%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">Title of each class</div>
          </td>

    <td style="width: 1%; vertical-align: bottom;">&#160;</td>

    <td style="width: 15%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">Trading</div>
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">Symbol(s)</div>
          </td>

    <td style="width: 1%; vertical-align: bottom;">&#160;</td>

    <td style="width: 45%; vertical-align: bottom; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">Name of each exchange on which registered</div>
          </td>

  </tr>

  <tr>

    <td style="width: 37.99%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_9aaa5eb91891458d99a09df8770b492e" contextRef="c20251029to20251029">Common Stock, par value $0.25</ix:nonNumeric><br/>
            </div>
          </td>

    <td style="width: 1%; vertical-align: bottom;">&#160;</td>

    <td style="width: 15%; vertical-align: bottom;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><ix:nonNumeric name="dei:TradingSymbol" id="Fact_1fdce3c64c57488bbc7ee9d8fcc9f1b9" contextRef="c20251029to20251029">OBT</ix:nonNumeric><br/>
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          </td>

    <td style="width: 1%; vertical-align: bottom;">&#160;</td>

    <td style="width: 45%; vertical-align: bottom;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><ix:nonNumeric name="dei:SecurityExchangeName" id="Fact_9ed4d15c487348ec9d72751aad464814" contextRef="c20251029to20251029" format="ixt-sec:exchnameen">The Nasdaq Stock Market LLC</ix:nonNumeric><br/>
            </div>
          </td>

  </tr>


</table>
    <div><br/>
    </div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or
      Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</div>

    <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_0365a7b3920c42509d6d9e52b69bf73a" contextRef="c20251029to20251029" format="ixt-sec:boolballotbox">&#9746;</ix:nonNumeric></div>

    <div><br/>
    </div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">If an emerging growth company, indicate by check mark if the registrant has
        elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. <ix:nonNumeric name="dei:EntityExTransitionPeriod" id="Fact_5eb034e2aa794f27ae73db20a9d0aa9f" contextRef="c20251029to20251029" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span></div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
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        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"/></div>

    </div>

    <div style="margin-bottom: 10pt;"><br/>
    </div>

    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">&#160;</div>

    <div style="text-align: justify;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item<span style="font-size: 12pt;"> 2.</span><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">02</span><span class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> &#160;&#160;&#160;</span><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><span style="text-decoration: underline;">Results of Operations and Financial
            Condition</span></span></span></div>

    <div><br/>
    </div>

    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">On October 29, 2025, Orange County Bancorp, Inc. (the &#8220;Company&#8221;) issued a press release reporting its financial results at and for the
      three and nine months ended September 30, 2025.</div>

    <div><br/>
    </div>

    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">A copy of the press release is attached as Exhibit 99.1 to this report and is being furnished to the Securities and Exchange Commission and
      shall not be deemed filed for any purpose.</div>

    <div><br/>
    </div>

    <div style="text-align: justify;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item<span style="font-size: 12pt;"> 9.0<span style="font-size: 12pt;">1</span></span></span><span class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> &#160;&#160;&#160;</span><span style="font-weight: bold; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="text-decoration: underline;"><span style="font-size: 12pt;"><span style="font-size: 12pt;">Fi</span>nancial</span>
          Statements and Exhibits</span></span></div>

    <div><br/>
    </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0;">


  <tr>

    <td style="width: 7.73%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(a)</div>
          </td>

    <td style="width: 9.04%; vertical-align: top;">&#160;</td>

    <td colspan="3" style="width: 83.23%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Financial statements of businesses acquired.&#160; None.</div>
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  </tr>

  <tr>

    <td style="width: 7.73%; vertical-align: top;">&#160;</td>

    <td style="width: 9.04%; vertical-align: top;">&#160;</td>

    <td colspan="3" style="width: 83.23%; vertical-align: top;">&#160;</td>

  </tr>

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    <td style="width: 7.73%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(b)</div>
          </td>

    <td style="width: 9.04%; vertical-align: top;">&#160;</td>

    <td colspan="3" style="width: 83.23%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Pro forma financial information.&#160; None.</div>
          </td>

  </tr>

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    <td style="width: 7.73%; vertical-align: top;">&#160;</td>

    <td style="width: 9.04%; vertical-align: top;">&#160;</td>

    <td colspan="3" style="width: 83.23%; vertical-align: top;">&#160;</td>

  </tr>

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    <td style="width: 7.73%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(c)</div>
          </td>

    <td style="width: 9.04%; vertical-align: top;">&#160;</td>

    <td colspan="3" style="width: 83.23%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Shell company transactions: None.</div>
          </td>

  </tr>

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    <td style="width: 7.73%; vertical-align: top;">&#160;</td>

    <td style="width: 9.04%; vertical-align: top;">&#160;</td>

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    <td style="width: 7.73%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(d)</div>
          </td>

    <td style="width: 9.04%; vertical-align: top;">&#160;</td>

    <td colspan="3" style="width: 83.23%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Exhibits.</div>
          </td>

  </tr>

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    <td style="width: 7.73%; vertical-align: top;">&#160;</td>

    <td style="width: 9.04%; vertical-align: top;">&#160;</td>

    <td style="width: 7.98%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman',Times,serif; font-size: 12pt;"><a href="ex99-1_8k102925.htm">99.1</a></div>
          </td>

    <td style="width: 3.72%; vertical-align: top;"><br/>
          </td>

    <td style="width: 71.53%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><a href="ex99-1_8k102925.htm">Press release dated October 29,
                2025</a></div>
          </td>

  </tr>

  <tr>

    <td style="width: 7.73%; vertical-align: top;">&#160;</td>

    <td style="width: 9.04%; vertical-align: top;">&#160;</td>

    <td style="width: 7.98%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">104</div>
          </td>

    <td style="width: 3.72%; vertical-align: top;">&#160;</td>

    <td style="width: 71.53%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Cover Page for this Current Report on Form 8-K, formatted in Inline XBRL</div>
          </td>

  </tr>


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    <div><br/>
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    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">SIGNATURES</div>

    <div><br/>
    </div>

    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its
      behalf by the undersigned, hereunto duly authorized.</div>

    <div><br/>
    </div>

    <div><br/>
    </div>

    <div><br/>
    </div>

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    <td style="width: 61.28%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">ORANGE COUNTY BANCORP, INC.</div>
          </td>

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    <td style="width: 30.26%; vertical-align: top;">&#160;</td>

    <td style="width: 8.46%; vertical-align: top;">&#160;</td>

    <td style="width: 61.28%; vertical-align: top;">&#160;</td>

  </tr>

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    <td style="width: 30.26%; vertical-align: top;">&#160;</td>

    <td style="width: 8.46%; vertical-align: top;">&#160;</td>

    <td style="width: 61.28%; vertical-align: top;">&#160;</td>

  </tr>

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    <td style="width: 30.26%; vertical-align: top;">&#160;</td>

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    <td style="width: 61.28%; vertical-align: top;">&#160;</td>

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    <td style="width: 30.26%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">DATE: October 29, 2025</div>
          </td>

    <td style="width: 8.46%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">By:&#160;&#160; <br/>
            </div>
          </td>

    <td style="width: 61.28%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#160;<span style="text-decoration: underline;">/s/ Michael Lesler</span><br/>
            </div>
          </td>

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    <td style="width: 30.26%; vertical-align: top;">&#160;</td>

    <td style="width: 8.46%; vertical-align: top;">&#160;</td>

    <td style="width: 61.28%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Michael Lesler</div>
          </td>

  </tr>

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    <td style="width: 30.26%; vertical-align: top;">&#160;</td>

    <td style="width: 8.46%; vertical-align: top;">&#160;</td>

    <td style="width: 61.28%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Executive Vice President and Chief Financial Officer</div>
          </td>

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    <td style="width: 30.26%; vertical-align: top;">&#160;</td>

    <td style="width: 8.46%; vertical-align: top;">&#160;</td>

    <td style="width: 61.28%; vertical-align: top;">&#160;</td>

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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>ex99-1_8k102925.htm
<DESCRIPTION>PRESS RELEASE DATED OCTOBER 29, 2025
<TEXT>
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  <div style="text-align: right;">EXHIBIT 99.1<br>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>
    <div style="text-align: left;"><img src="image00012.jpg">
      <div><br>
      </div>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">FOR IMMEDIATE RELEASE</div>
    <div><br>
    </div>
    <div style="text-align: left; margin-bottom: 7.5pt; font-family: 'Times New Roman', Times, serif; font-size: 14pt; font-weight: bold;">Orange County Bancorp, Inc. Announces Record Third Quarter 2025 results:</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zcb74fc7dc1b9434f8d2e57d872708561" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net Income rose $6.8 million, or 211.5%, to $10.0 million for the quarter ended September 30, 2025 as compared to $3.2 million for the quarter ended
                September 30, 2024</div>
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      </table>
    </div>
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            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net Interest Income increased $4.0 million, or 17.3%, to $27.0 million for the quarter ended September 30, 2025, from $23.0 million for the quarter
                ended September 30, 2024</div>
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      </table>
    </div>
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            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net Interest Margin grew 45 basis points to 4.26% for the quarter ended September 30, 2025, as compared to 3.81% for the quarter ended September 30,
                2024</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z0b647901b9974c589cd5fb03fd6751d6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total Loans grew $119.9 million, or 6.6%, reaching $1.9 billion at September 30, 2025, as compared to $1.8 billion at December 31, 2024.</div>
            </td>
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      </table>
    </div>
    <div>
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          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total Deposits rose $125.5 million, or 5.8%, to $2.3 billion at September 30, 2025, from $2.2 billion at December 31, 2024</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf47b885fe7f84fb2917008f532e52f47" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Book value per share increased $3.86, or 23.6%, to $20.21 at September 30, 2025, from $16.35 at December 31, 2024</div>
            </td>
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      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z37eb684629f942b6acec7491ddbca87a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Trust and investment advisory income rose $416 thousand, or 13.3%, to $3.5 million for Q3 2025, as compared to $3.1 million for Q3 2024</div>
            </td>
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      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">MIDDLETOWN, N.Y., October 29, 2025</font> &#8211; Orange County
      Bancorp, Inc. (the &#8220;Company&#8221; - Nasdaq: OBT), parent company of Orange Bank &amp; Trust Co. (the &#8220;Bank&#8221;) and Orange Investment Advisors (&#8220;OIA&#8221;), formerly known as Hudson Valley Investment Advisors, Inc. (&#8220;HVIA&#8221;), today announced net income of $10.0
      million, or $0.75 per basic and diluted share, for the three months ended September 30, 2025.&#160; This compares with net income of $3.2 million, or $0.28 per basic and diluted share, for the three months ended September 30, 2024.&#160; The increase in
      earnings per share, basic and diluted, was due primarily to increases in net interest income and total noninterest income as well as reduced provision for credit losses partially offset by an increase in noninterest expense during the current period.
      For the nine months ended September 30, 2025, net income reached $29.2 million, or $2.39 per basic and diluted share, as compared to $20.7 million, or $1.84 per basic and diluted share, for the nine months ended September 30, 2024.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Book value per share rose $3.86, or 23.6%, from $16.35 at December 31, 2024, to $20.21 at September 30, 2025. Tangible book value per share increased
      $3.96, or 25.1%, from $15.80 at December 31, 2024, to $19.76 at September 30, 2025 (see &#8220;Non-GAAP Financial Measure Reconciliation&#8221; below for additional detail). These increases were due to continued earnings growth during the nine months ended
      September 30, 2025 and a reduction of unrealized losses in the available for sale securities (&#8220;AFS&#8221;) portfolio coupled with net proceeds of approximately $43 million from completion of a follow-on common stock offering during the second quarter of
      2025.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#8220;Business momentum we saw through the first half of the year continued into Q3,&#8221; said Orange County Bancorp President and CEO Michael Gilfeather. &#8220;This
      resulted in earnings of over $10 million for the quarter, with every segment of the bank contributing strong performance.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Loan growth remained strong for the quarter, with total loans up $17.9 million over the prior quarter end, and up $119.9 million since December 31, 2024.&#160;
      Our loan portfolio ended the quarter at over $1.9 billion. While regional economic activity remains robust, we continue to exercise prudent underwriting standards in the face of uncertain political, geopolitical, tariff, and interest rate policy
      risks. The 6.13% average yield on our loan portfolio for the quarter has improved from 5.94% for the same period last year. And while Federal Reserve</div>
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    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">guidance and a 25 basis point rate cut in September may keep downward pressure on rates, I remain confident in our team&#8217;s ability to manage through it.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Deposit growth also remains strong, with total deposits up $125.5 million, or 5.8%, to $2.3 billion at September 30, 2025, from $2.2 billion at year-end
      2024.&#160; We replaced $28 million of high cost brokered deposits with organically sourced lower cost deposits during the period. For the quarter, our cost of deposits stood at 1.13%, down 17 basis points, or 13.1%, versus last quarter, and down 12 basis
      points, or 9.6% versus the same period last year. The decline is a function of both Fed policy and our deliberate efforts to reduce deposit costs.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Given the decrease in deposit costs and increase in our average yield on loans, the positive impact on Net Interest Margin (&#8220;NIM&#8221;) isn&#8217;t surprising.&#160; For
      the quarter NIM grew 45 basis points, or 11.8%, to 4.26% for the quarter ended September 30, 2025, versus 3.81% for the quarter ended September 30, 2024.&#160; Our NIM also compare very favorably on a linked quarter basis, up 20 basis points, or 4.9%,
      versus the prior quarter.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Our Wealth Management division also maintained its track record of growth, with trust and investment advisory income increasing $416 thousand, or 13.3%, to
      $3.5 million for the quarter from $3.1 million for the same period last year. As I&#8217;ve mentioned previously, we continue to view earnings from Wealth Management as an important source of revenue for the Bank. Many of our wealth clients are also
      borrowers and/or depositors of the Bank, reflecting our belief in the diversified suite of services we offer provides both a powerful client retention tool and effective means of consolidating business and personal finances on our platform. As
      further evidence of our commitment to the division, earlier this month we formally changed the name of our registered investment advisor to Orange Investment Advisors.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">This quarter&#8217;s results demonstrate the power of our regional business bank strategy, and I couldn&#8217;t be more pleased. While realistic about the risks and
      uncertainty confronting our industry, we have a seasoned and experienced team that not only knows how to assess such risks, but also a proven track record navigating challenges and, where possible, turning them into opportunities.&#160; I want to
      acknowledge this and thank our employees for their expertise and commitment and our customers and shareholders for their continued confidence and support.&#8221;</div>
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    </div>
    <div style="text-align: left; margin-bottom: 10pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Third Quarter 2025 and Year to Date Financial Review</div>
    <div style="text-align: justify; margin-bottom: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">Net Income</div>
    <div style="text-align: justify; margin-bottom: 10pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net income for the third quarter of 2025 was $10.0 million, an increase of $6.8 million, or 211.5%, from net income of $3.2 million
      for the third quarter of 2024. The increase represents a combination of increased net interest income and non-interest income as well as reduced provision for credit losses over the same quarter last year.&#160; Net income for the nine months ended
      September 30, 2025 was $29.2 million, as compared to $20.7 million for the same period in 2024.&#160; The increase reflects the effect of net interest income growth combined with increased non-interest income as well as a reduced provision for credit
      losses during the first nine months of 2025 as compared to the prior year period.&#160; The improvements in the provision for credit losses during the third quarter of 2025 and the first nine months of 2025 as compared to the same periods in 2024 were the
      result of lower specific reserves associated with nonperforming loans.&#160; The increase in non-interest income includes the recognition of gain associated with the sale of a branch location coupled with a Bank Owned Life Insurance gain related to policy
      proceeds from a death benefit.</div>
    <div style="text-align: justify; margin-bottom: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">Net Interest Income</div>
    <div style="text-align: justify; margin-bottom: 6pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">For the three months ended September 30, 2025, net interest income rose $4.0 million, or 17.3%, to $27.0 million, versus $23.0 million
      during the same period last year. The increase was driven primarily by a $3.5 million increase in interest and fees on loans during the current period.&#160; For the nine months ended September 30, 2025, net interest income reached $75.7 million,
      representing an increase of $7.0 million, or 10.2%, over the first nine months of 2024.</div>
    <div style="text-align: justify; margin-bottom: 6pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total interest income rose $3.1 million, or 9.8%, to $34.5 million for the three months ended September 30, 2025, compared to $31.4
      million for the three months ended September 30, 2024.&#160; The increase was mainly driven by a 13.1% growth in interest and fees associated with loans during the period.&#160; For the nine months ended September 30, 2025, total interest income rose $4.6
      million, or 4.9%, to $99.7 million as compared to $95.0 million for the nine months ended September 30, 2024.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total interest expense decreased $887 thousand during the third quarter of 2025, to $7.6 million, as compared to $8.5 million in the
      third quarter of 2024.&#160; The decrease was primarily due to the reduction of interest costs associated with brokered time deposits and lower FHLB advances and borrowings as a result of increased customer deposit levels during the quarter.&#160; Interest
      expense associated with FHLB advances drawn and other borrowings during the current quarter totaled $616 thousand as compared to $1.6 million during the third quarter of 2024.&#160; During the nine months ended September 30, 2025, total interest expense
      fell $2.4 million, to $23.9 million, as compared to $26.3 million for the same period last year.</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="margin-bottom: 12pt;"><br>
    </div>
    <div style="text-align: justify; margin-bottom: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">Provision for Credit Losses</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The Company recognized a provision for credit losses of $3.9 million for the three months ended September 30, 2025, as compared to
      $7.2 million for the three months ended September 30, 2024. This current quarter provision included a charge-off of a participation loan and reserves associated with certain non-accrual loans as well as the impact of the methodology associated with
      estimated lifetime losses and the composition of loans closed during the quarter. The allowance for credit losses to total loans was 1.51% as of September 30, 2025 versus 1.44% as of December 31, 2024. For the nine months ended September 30, 2025,
      the provision for credit losses totaled $6.2 million as compared to $9.7 million for the nine months ended September 30, 2024. No reserves for investment securities were recorded during the first nine months of 2025 or 2024.&#160; The nine months ended
      September 30, 2024 did include a credit provision associated with the recovery of $1.9 million related to Signature Bank subordinated debt which was previously written off.</div>
    <div style="text-align: justify; margin-bottom: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">Non-Interest Income</div>
    <div style="text-align: justify; margin-bottom: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Non-interest income rose $2.6 million, or 62.6%, to $6.8 million for the three months ended September 30, 2025 as compared to $4.2
      million for the three months ended September 30, 2024. The growth included the continued increased fee income in each of the Company&#8217;s fee income categories, including investment advisory income, trust income, and service charges on deposit accounts,
      as well as the recognition of $1.2 million related to a one-time BOLI death benefit payment and approximately $932 thousand of insurance proceeds related to a claim for a previous fraudulent incident.&#160; For the nine months ended September 30, 2025,
      non-interest income increased approximately $6.8 million, to $18.5 million, as compared to $11.7 million for the nine months ended September 30, 2024.&#160; The nine-month period in 2025 also included additional BOLI proceeds of approximately $3.6 million
      and a $1.2 million gain related to the sale of a branch location, partially offset by a $568 thousand loss connected to a $15 million repositioning of our investment securities portfolio.</div>
    <div style="margin-bottom: 3pt;"><br>
    </div>
    <div style="text-align: justify; margin-bottom: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">Non-Interest Expense</div>
    <div style="text-align: justify; margin-bottom: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Non-interest expense was $16.8 million for the third quarter of 2025, reflecting an increase of $894 thousand, or 5.6%, as compared to
      $16.0 million for the same period in 2024. The increase in non-interest expense for the current three-month period continues to reflect the Company&#8217;s commitment to growth.&#160; This investment consists primarily of increases in salaries and benefits,
      occupancy costs, information technology, deposit insurance, and other operating expenses. Our efficiency ratio improved to 49.9% for the three months ended September 30, 2025 from 58.8% for the same period in 2024. For the nine months ended September
      30, 2025, our efficiency ratio also improved to 53.2% from 58.2% for the same period in 2024. Non-interest expense for the nine months ended September 30, 2025 reached $50.1 million, reflecting a $3.3 million increase over non-interest expense of
      $46.7 million for the nine months ended September 30, 2024.</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">4</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="margin-bottom: 10pt;"><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">Income Tax Expense</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Provision for income taxes for the three months ended September 30, 2025 was $3.0 million, compared to $788 thousand for the same
      period in 2024. The increase was directly related to provisions associated with higher levels of pre-tax income as well as the effect of certain tax adjustments for the quarter. For the nine months ended September 30, 2025, the provision for income
      taxes was $8.7 million as compared to $5.1 million for the nine months ended September 30, 2024. Our effective tax rate for the three-month period ended September 30, 2025 was 23.0%, as compared to 19.7% for the same period in 2024. Our effective tax
      rate for the nine-month period ended September 30, 2025 was 23.0%, as compared to 19.9% for the same period in 2024.</div>
    <div style="text-align: justify; margin-bottom: 10pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">Financial Condition</div>
    <div style="text-align: justify; margin-bottom: 6pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total consolidated assets increased $126.5 million, or 5.0%, to $2.6 billion at September 30, 2025, as compared to $2.5 billion at
      December 31, 2024. The growth of the balance sheet included increases in cash, loans, and deposits offset by paydowns of borrowings during the current nine-month period.</div>
    <div style="text-align: justify; margin-bottom: 6pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total cash and due from banks increased from $150.3 million at December&#160;31, 2024, to $189.9 million at September 30, 2025, an increase
      of approximately $39.6 million, or 26.3%.&#160; This increase resulted primarily from higher levels of deposit balances and the completion of the common stock offering which increased cash and due from banks during the current nine-month period.</div>
    <div style="text-align: justify; margin-bottom: 6pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total investment securities decreased $19.9 million, or 4.4%, from $453.5 million at December 31, 2024 to $433.6 million at September
      30, 2025.&#160; The decrease was driven primarily by investment maturities during the first nine months of 2025 combined with the sale of approximately $15.0 million in securities during the period.&#160; The portfolio sale was a strategic initiative to offset
      a portion of the increases in non-interest income and replaced lower yielding investments in securities with higher yielding securities.</div>
    <div style="text-align: justify; margin-bottom: 6pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total loans increased $119.9 million, or 6.6%, from $1.8 billion at December 31, 2024 to $1.9 billion at September 30, 2025.&#160; The
      increase was driven by $90.5 million of growth in commercial real estate loans, $34.1 million of increased commercial real estate construction loans, $2.2 million of increased commercial and industrial loans, and $2.7 million of growth in home equity
      loans.&#160; These increases were partially offset by decreases within the residential real estate and consumer loan segments.</div>
    <div style="text-align: justify; margin-bottom: 6pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total deposits increased $125.5 million, to $2.3 billion at September 30, 2025, from $2.2 billion at December 31, 2024. This increase
      was due primarily to $60.8 million of growth in noninterest-bearing demand accounts; $112.1 million of growth in interest bearing demand accounts; and $61.8 million of growth in savings accounts.&#160; The increases in deposit accounts were offset by a
      $106.7 million decrease in certificates of deposit, mainly associated with brokered deposits utilized by the Bank for short term funding purposes, as well as a $2.5 million decrease in money market accounts.&#160; Deposit composition at September 30, 2025
      included 50.7% in demand deposit accounts (including NOW accounts) as a percentage of total deposits.&#160; Uninsured deposits, net of fully collateralized municipal relationships, remain stable and represent approximately 45% of total deposits at
      September 30, 2025, as compared to 39% of total deposits at December 31, 2024.</div>
    <div style="text-align: justify; margin-bottom: 6pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">FHLBNY short-term borrowings decreased by $91.0 million, or 80.2%, to $22.5 million as of September 30, 2025, as compared to $113.5
      million at December 31, 2024. The decrease in borrowings continues to be driven by increased deposits which outpaced loan growth during the first nine months of 2025 and allowed for paydowns of borrowings while maintaining higher levels of cash at
      September 30, 2025.&#160; The decrease in borrowings continues to reflect a strategic decision to manage liquidity sources and take advantage of opportunities to reduce funding costs.</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">5</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="margin-bottom: 6pt;"><br>
    </div>
    <div style="text-align: justify; margin-bottom: 6pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Stockholders&#8217; equity experienced an increase of approximately $84.6 million during the first nine months of 2025, reaching $270.1
      million at September 30, 2025 from $185.5 million at December 31, 2024. The increase was due to the combination of a completed common stock offering which netted approximately $43 million, earnings of approximately $29.2 million, and a decrease in
      unrealized losses of approximately $15.6 million on the market value of investment securities within the Company&#8217;s equity as accumulated other comprehensive income (loss) (&#8220;AOCI&#8221;), net of taxes.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">At September 30, 2025, the Bank maintained capital ratios in excess of regulatory standards for well capitalized institutions. The
      Bank&#8217;s Tier 1 capital to average assets ratio was 12.31%, both common equity and Tier 1 capital to risk weighted assets were 16.78%, and total capital to risk weighted assets was 18.03%.</div>
    <div style="text-align: justify; margin-bottom: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">Wealth Management</div>
    <div style="text-align: justify; margin-bottom: 10pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">At September 30, 2025, our Wealth Management Division, which includes trust and investment advisory, totaled $1.9 billion in assets
      under management or advisory, as compared to $1.8 billion at December 31, 2024, a 6.6% increase.&#160; Trust and investment advisory income for the quarter ended September 30, 2025 reached $3.5 million, an increase of 13.3%, or $416 thousand, as compared
      to $3.1 million for the quarter ended September 30, 2024.</div>
    <div style="text-align: justify; margin-bottom: 10pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The breakdown of trust and investment advisory assets as of September 30, 2025 and December 31, 2024, respectively, is as follows:</div>
    <div style="text-align: justify; margin-bottom: 12pt;">
      <table cellspacing="0" cellpadding="0" id="zb83af2b924364df4985b03b266322cc7" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 35.16%; vertical-align: top;" colspan="12" rowspan="1">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">ORANGE COUNTY BANCORP, INC.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 26.37%; vertical-align: top;" colspan="12" rowspan="1">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">SUMMARY OF AUM/AUA</div>
            </td>
          </tr>
          <tr>
            <td style="width: 17.58%; vertical-align: top;" colspan="12" rowspan="1">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">(UNAUDITED)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 26.37%; vertical-align: top; border-bottom: #000000 2px solid;" colspan="12" rowspan="1">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(Dollar Amounts in thousands)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 23.63%; vertical-align: top; border-bottom: #000000 2px solid;" colspan="3">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">At September 30, 2025</div>
            </td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 23.64%; vertical-align: top; border-bottom: #000000 2px solid;" colspan="3">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">At December 31, 2024</div>
            </td>
          </tr>
          <tr>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 10.31%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Amount</div>
            </td>
            <td style="width: 4.53%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Percent</div>
            </td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 10.31%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Amount</div>
            </td>
            <td style="width: 4.54%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Percent</div>
            </td>
          </tr>
          <tr>
            <td style="width: 35.16%; vertical-align: top;" colspan="4">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;Investment Assets Under Management &amp; Advisory</div>
            </td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 10.31%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160;&#160; 1,225,249</div>
            </td>
            <td style="width: 4.53%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">64.47%</div>
            </td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 10.31%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160;&#160; 1,105,143</div>
            </td>
            <td style="width: 4.54%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">61.99%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 35.16%; vertical-align: top; padding-bottom: 2px;" colspan="4">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;Trust Asset Under Administration &amp; Management</div>
            </td>
            <td style="width: 8.79%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.31%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;675,257</div>
            </td>
            <td style="width: 4.53%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">35.53%</div>
            </td>
            <td style="width: 8.79%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.31%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;677,723</div>
            </td>
            <td style="width: 4.54%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">38.01%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 8.79%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;Total</div>
            </td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 10.31%; vertical-align: top; border-bottom: #000000 4px double;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160;&#160; 1,900,506</div>
            </td>
            <td style="width: 4.53%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top; border-bottom: #000000 4px double;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">100.00%</div>
            </td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 10.31%; vertical-align: top; border-bottom: #000000 4px double;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160;&#160; 1,782,866</div>
            </td>
            <td style="width: 4.54%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top; border-bottom: #000000 4px double;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">100.00%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 10.31%; vertical-align: top;">&#160;</td>
            <td style="width: 4.53%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
            <td style="width: 10.31%; vertical-align: top;">&#160;</td>
            <td style="width: 4.54%; vertical-align: top;">&#160;</td>
            <td style="width: 8.79%; vertical-align: top;">&#160;</td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; margin-bottom: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">Loan Quality</div>
    <div style="text-align: justify; margin-bottom: 10pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">At September 30, 2025, the Bank had total non-performing loans of $12.2 million, or 0.63% of total loans.&#160; Total non-accrual loans
      represented approximately $12.2 million of loans as of September 30, 2025, compared to $6.3 million at December 31, 2024.&#160; The increase in non-accrual loans continues to represent several different loans which experienced payment disruption during
      2025 and remain non-performing and in non-accrual status at quarter end.</div>
    <div style="margin-bottom: 10pt;"><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">6</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="margin-bottom: 10pt;"><br>
    </div>
    <div style="text-align: justify; margin-bottom: 10pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic; font-weight: bold;">Liquidity</div>
    <div style="text-align: justify; margin-bottom: 10pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Management believes the Bank has the necessary liquidity to meet normal business needs.&#160; The Bank uses a variety of resources to
      manage its liquidity position.&#160; These include short term investments, cash from lending and investing activities, core-deposit growth, and non-core funding sources, such as time deposits exceeding $250,000, brokered deposits, FHLBNY advances, and
      other borrowings.&#160; As of September 30, 2025, the Bank&#8217;s cash and due from banks totaled $189.9 million.&#160; The Bank maintains an investment portfolio of securities available for sale, comprised mainly of US Government agency and treasury securities,
      Small Business Administration loan pools, mortgage-backed securities, and municipal bonds.&#160; Although the portfolio generates interest income for the Bank, it also serves as an available source of liquidity and funding.&#160; As of September 30, 2025, the
      Bank&#8217;s investment in securities available for sale was $426.6 million, of which $66.0 million was not pledged as collateral.&#160; Additionally, as of September 30, 2025, the Bank&#8217;s overnight advance line capacity at the Federal Home Loan Bank of New York
      was $643.4 million, of which $76.4 million was used to collateralize municipal deposits and $10.0 million was utilized for long term advances.&#160; As of September 30, 2025, the Bank&#8217;s unused borrowing capacity with the FHLBNY was $557.0 million. The
      Bank also maintains additional borrowing capacity of $20 million with other correspondent banks.&#160; Additional funding is available to the Bank through the discount window lending by the Federal Reserve. At September 30, 2025, the Bank also held $66.7
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    <div style="margin-bottom: 10pt;"><br>
    </div>
    <div style="text-align: justify;">
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          <tr>
            <td style="width: 51.88%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Non-GAAP Financial Measure Reconciliations</div>
            </td>
            <td style="width: 18.63%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;" colspan="8">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The following table reconciles, as of the dates set forth below, stockholders&#8217; equity (on a GAAP basis) to tangible equity and total assets (on a
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            </td>
          </tr>
          <tr>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">September 30, 2025</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">December 31, 2024</div>
            </td>
          </tr>
          <tr>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 48.12%; vertical-align: top;" colspan="3">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(Dollars in thousands except for share data)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 20.75%; vertical-align: top;" colspan="2">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Tangible Common Equity:</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 31.13%; vertical-align: top;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total stockholders&#8217; equity</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 270,120</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 185,531</div>
            </td>
          </tr>
          <tr>
            <td style="width: 20.75%; vertical-align: top;" colspan="2">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">Adjustments:</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 10.38%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Goodwill</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,359)</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,359)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 20.75%; vertical-align: top;" colspan="2">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Other intangible assets</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(607)</div>
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            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(821)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 20.75%; vertical-align: top;" colspan="2">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Tangible common equity</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 264,154</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 179,351</div>
            </td>
          </tr>
          <tr>
            <td style="width: 31.13%; vertical-align: top;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Common shares outstanding</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,366,740</div>
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            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,350,158</div>
            </td>
          </tr>
          <tr>
            <td style="width: 31.13%; vertical-align: top;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Book value per common share</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 20.21</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 16.35</div>
            </td>
          </tr>
          <tr>
            <td style="width: 31.13%; vertical-align: top;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Tangible book value per common share</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 19.76</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 15.80</div>
            </td>
          </tr>
          <tr>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 20.75%; vertical-align: top;" colspan="2">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Tangible Assets</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 10.38%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total assets</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 2,636,450</div>
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            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 2,509,927</div>
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          </tr>
          <tr>
            <td style="width: 20.75%; vertical-align: top;" colspan="2">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">Adjustments:</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 10.38%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Goodwill</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,359)</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,359)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 20.75%; vertical-align: top;" colspan="2">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Other intangible assets</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(607)</div>
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            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(821)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 20.75%; vertical-align: top;" colspan="2">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Tangible assets</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 2,630,484</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 2,503,747</div>
            </td>
          </tr>
          <tr>
            <td style="width: 41.5%; vertical-align: top;" colspan="4">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Tangible common equity to tangible assets</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">10.04%</div>
            </td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">7.16%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 18.63%; vertical-align: top;">&#160;</td>
            <td style="width: 10.38%; vertical-align: top;">&#160;</td>
            <td style="width: 19.11%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;" colspan="8">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">NOTE:&#160; Share data and related information has been adjusted for the effect of the 2 for 1 stock split in January 2025</div>
            </td>
          </tr>

      </table>
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    <div><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">8</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
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    </div>
    <div style="margin-bottom: 10pt;"><br>
    </div>
    <div style="text-align: justify; margin-bottom: 7.5pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">About Orange County Bancorp, Inc</div>
    <div style="text-align: justify; margin-bottom: 7.5pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Orange County Bancorp, Inc. is the parent company of Orange Bank &amp; Trust Company and Orange Investment Advisors, Inc. Orange Bank
      &amp; Trust Company is an independent bank that began with the vision of 14 founders over 125 years ago. It has grown through innovation and an unwavering commitment to its community and business clientele to approximately $2.6 billion in total
      assets. Orange Investment Advisors, Inc. is a Registered Investment Advisor in Goshen, NY. It was founded in 1996 and acquired by the Company in 2012.</div>
    <div style="text-align: justify; margin-bottom: 3pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Forward Looking Statements</div>
    <div style="text-align: justify; margin-right: 8.6pt; margin-left: 1.95pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Certain statements contained herein are &#8220;forward looking statements&#8221; within the meaning of Section 27A of the
      Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Such forward looking statements may be identified by reference to a future period or periods, or by the use of forward-looking terminology, such as &#8220;may,&#8221; &#8220;will,&#8221;
      &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;estimate,&#8221; &#8220;anticipate,&#8221; &#8220;continue,&#8221; or similar terms or variations on those terms, or the negative of those terms. Forward looking statements are subject to numerous risks and uncertainties, including, but not limited to, those
      related to the real estate and economic environment, particularly in the market areas in which the Company operates, competitive products and pricing, fiscal and monetary policies of the U.S. Government, inflation, tariffs, changes in government
      regulations affecting financial institutions, including regulatory fees and capital requirements, changes in prevailing interest rates, increased levels of loan delinquencies, problem assets and foreclosures, credit risk management, asset-liability
      management, cybersecurity risks, geopolitical conflicts, public health issues, the financial and securities markets and the availability of and costs associated with sources of liquidity.</div>
    <div style="text-align: justify; margin-right: 8.7pt; margin-left: 1.95pt; margin-top: 5.45pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">The Company wishes to caution readers not to place undue reliance on any such forward-looking
      statements, which speak only as of the date made. The Company wishes to advise readers that the factors listed above could affect the Company&#8217;s financial performance and could cause the Company&#8217;s actual results for future periods to differ materially
      from any opinions or statements expressed with respect to future periods in any current statements. The Company does not undertake and specifically declines any obligation to publicly release the results of any revisions that may be made to any
      forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.</div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">For further information:</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Michael Lesler</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">EVP &amp; Chief Financial Officer</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">mlesler@orangebanktrust.com</div>
    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Phone: (845) 341-5111</div>
    <div style="margin-bottom: 7.5pt;"><br>
    </div>
    <div style="margin-bottom: 10pt;"><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">9</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="margin-bottom: 10pt;"><br>
    </div>
    <div style="text-align: left; margin-bottom: 10pt;">
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          <tr>
            <td style="width: 38.08%; vertical-align: top;" colspan="12" rowspan="1">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">ORANGE COUNTY BANCORP, INC.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;" colspan="12">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">CONDENSED CONSOLIDATED STATEMENTS OF CONDITION</div>
            </td>
          </tr>
          <tr>
            <td style="width: 100%; vertical-align: top;" colspan="12">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">(UNAUDITED)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2.01%; vertical-align: top; border-bottom: #000000 2px solid;" rowspan="1" colspan="12">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(Dollar Amounts in thousands except per share data)</div>
            </td>
          </tr>
          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">September 30, 2025</div>
            </td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">December 31, 2024</div>
            </td>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">ASSETS</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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            <td style="width: 27.4%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Cash and due from banks</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 150,334</div>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Investment securities - available-for-sale</div>
            </td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;426,631</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 8pt;">(Amortized cost $482,994 at September 30, 2025 and $519,567 at December 31, 2024)</div>
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          </tr>
          <tr>
            <td style="width: 38.08%; vertical-align: top;" colspan="6">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Restricted investment in bank stocks</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,916</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,716</div>
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          <tr>
            <td style="width: 16.72%; vertical-align: top;" colspan="4">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Loans</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,935,676</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,815,751</div>
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          <tr>
            <td style="width: 38.08%; vertical-align: top;" colspan="6">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Allowance for credit losses</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(29,287)</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(26,077)</div>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 14.71%; vertical-align: top;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Loans, net</div>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,906,389</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,789,674</div>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 38.08%; vertical-align: top;" colspan="6">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Premises and equipment, net</div>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
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            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;15,808</div>
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            <td style="width: 27.4%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Accrued interest receivable</div>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
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            <td style="width: 27.4%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Bank owned life insurance</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Goodwill</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
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            <td style="width: 18.86%; vertical-align: top;">
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Intangible assets</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
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            <td style="width: 18.86%; vertical-align: top;">
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
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            <td style="width: 18.86%; vertical-align: top; border-bottom: #000000 4px double;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 2,509,927</div>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 53.42%; vertical-align: top;" colspan="6">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">LIABILITIES AND STOCKHOLDERS' EQUITY</div>
            </td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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          <tr>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 25.39%; vertical-align: top;" colspan="4">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Noninterest bearing</div>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; 651,135</div>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 25.39%; vertical-align: top;" colspan="4">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Interest bearing</div>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 1,566,919</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,502,224</div>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 23.37%; vertical-align: top;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total deposits</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,278,870</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,153,359</div>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 38.08%; vertical-align: top;" colspan="6">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">FHLB advances, short term</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;113,500</div>
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          <tr>
            <td style="width: 27.4%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">FHLB advances, long term</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,000</div>
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            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;10,000</div>
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            <td style="width: 48.77%; vertical-align: top;" colspan="7">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Subordinated notes, net of issuance costs</div>
            </td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;24,483</div>
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            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;19,591</div>
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            <td style="width: 38.08%; vertical-align: top;" colspan="6">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Accrued expenses and other liabilities</div>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 18.86%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;27,946</div>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 23.37%; vertical-align: top;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">TOTAL LIABILITIES</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,366,330</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,324,396</div>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 34.06%; vertical-align: top;" colspan="4">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">STOCKHOLDERS' EQUITY</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 79.13%; vertical-align: top;" colspan="10">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Common stock, $0.25 par value; 30,000,000 shares authorized;</div>
            </td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 97.99%; vertical-align: top;" colspan="11">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">13,374,757 and 11,366,608 issued; 13,366,740 and 11,350,158 outstanding,</div>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">at September 30, 2025 and December 31, 2024, respectively</div>
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            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,344</div>
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            <td style="width: 18.86%; vertical-align: top;">
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
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            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">ORANGE COUNTY BANCORP, INC.</div>
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
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            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2025</div>
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          <tr>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">INTEREST INCOME</div>
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 15.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.99%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
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          <tr>
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 15.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.99%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 18.66%; vertical-align: top;" colspan="3">
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            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">
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            <td style="width: 15.93%; vertical-align: top;">
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            <td style="width: 14.99%; vertical-align: top;">
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          <tr>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 18.66%; vertical-align: top;" colspan="3">
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            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">
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            <td style="width: 15.93%; vertical-align: top;">
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            <td style="width: 14.97%; vertical-align: top;">
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            <td style="width: 14.99%; vertical-align: top;">
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          <tr>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
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            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
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            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
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            <td style="width: 15.93%; vertical-align: top;">&#160;</td>
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            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
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            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
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            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 15.93%; vertical-align: top;">&#160;</td>
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            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
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            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 15.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
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          <tr>
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 15.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.99%; vertical-align: top;">&#160;</td>
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          <tr>
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 15.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.99%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Provision (recovery) for credit losses - investments</div>
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            <td style="width: 14.97%; vertical-align: top;">
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            <td style="width: 14.99%; vertical-align: top;">
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            <td style="width: 15.93%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
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            <td style="width: 15.93%; vertical-align: top;">&#160;</td>
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            <td style="width: 14.97%; vertical-align: top;">
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            <td style="width: 32.67%; vertical-align: top;" colspan="7">
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            <td style="width: 11.75%; vertical-align: top;" colspan="3">
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            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
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            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
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            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
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            <td style="width: 32.67%; vertical-align: top;" colspan="7">
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
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            <td style="width: 32.67%; vertical-align: top;" colspan="7">
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            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
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            <td style="width: 11.75%; vertical-align: top;" colspan="3">
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            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
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            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
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            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
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            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
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            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
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            <td style="width: 15.93%; vertical-align: top; border-bottom: #000000 4px double;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 3,216</div>
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 15.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.99%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
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            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 15.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.99%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Weighted average shares outstanding</div>
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 15.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.99%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 3.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 15.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 14.99%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 1.62%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Share data has been adjusted to reflect the effect of the two-for-one stock split paid during January 2025</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">ORANGE COUNTY BANCORP, INC.</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">NET INTEREST MARGIN ANALYSIS</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">(UNAUDITED)</div>
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            <td style="width: 36.7%; vertical-align: top;">&#160;</td>
            <td style="width: 11.61%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 36.7%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 36.7%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2025</div>
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            <td style="width: 10.1%; vertical-align: top; border-bottom: #000000 2px solid;" rowspan="1" colspan="5">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2024</div>
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          <tr>
            <td style="width: 36.7%; vertical-align: top;">&#160;</td>
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            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
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            </td>
            <td style="width: 11.75%; vertical-align: top; border-bottom: #000000 2px solid;" colspan="2">
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            </td>
            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Average Rate</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
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            <td style="width: 11.61%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 36.7%; vertical-align: top;">
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            </td>
            <td style="width: 11.61%; vertical-align: top;">
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
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            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$1,759,989</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
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          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
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            </td>
            <td style="width: 11.61%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;140</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3</div>
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            <td style="width: 8.33%; vertical-align: top;">
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            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;186</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;3</div>
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            <td style="width: 8.33%; vertical-align: top;">
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            </td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
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            </td>
            <td style="width: 11.61%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;415,885</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,039</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2.90%</div>
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            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;463,347</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,252</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2.78%</div>
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          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
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            </td>
            <td style="width: 11.61%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;153,411</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,542</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.99%</div>
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            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;160,563</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,843</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4.55%</div>
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          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
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            </td>
            <td style="width: 11.61%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,452</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;108</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">5.75%</div>
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            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,601</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(34)</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">
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          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total interest earning assets</div>
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            <td style="width: 11.61%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,507,809</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;34,528</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
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            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;2,391,686</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;31,436</div>
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            <td style="width: 8.33%; vertical-align: top;">
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          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
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            <td style="width: 11.61%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;104,392</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
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            <td style="width: 11.61%; vertical-align: top; border-bottom: #000000 4px double;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; 2,612,201</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top; border-bottom: #000000 4px double;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$2,486,162</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">&#160;</td>
            <td style="width: 11.61%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Liabilities and equity:</div>
            </td>
            <td style="width: 11.61%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
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            </td>
            <td style="width: 11.61%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160;&#160; 425,824</div>
            </td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160;&#160; 630</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0.59%</div>
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            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160;&#160; 370,442</div>
            </td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160;&#160; 425</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0.46%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Money market accounts</div>
            </td>
            <td style="width: 11.61%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;695,959</div>
            </td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;3,642</div>
            </td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2.08%</div>
            </td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;695,516</div>
            </td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,083</div>
            </td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2.33%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Savings accounts</div>
            </td>
            <td style="width: 11.61%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;326,787</div>
            </td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,224</div>
            </td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1.49%</div>
            </td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;256,934</div>
            </td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;924</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
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          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
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            </td>
            <td style="width: 11.61%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;852</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;116,817</div>
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            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,213</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">
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          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
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            <td style="width: 11.61%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,545,332</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,348</div>
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            <td style="width: 8.33%; vertical-align: top;">
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            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;1,439,709</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,645</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
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          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">FHLB Advances and other borrowings</div>
            </td>
            <td style="width: 11.61%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;55,082</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;616</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
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            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;127,197</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,593</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4.97%</div>
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          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Subordinated notes</div>
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            <td style="width: 11.61%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;617</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;19,561</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;230</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">
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          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Total interest bearing liabilities</div>
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            <td style="width: 11.61%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,620,974</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,581</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
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            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;1,586,467</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;8,468</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2.12%</div>
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          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Non-interest bearing demand accounts</div>
            </td>
            <td style="width: 11.61%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;702,697</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;688,138</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
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            <td style="width: 11.61%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;28,529</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Total liabilities</div>
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            <td style="width: 11.61%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,352,200</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;2,300,552</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Total shareholders' equity</div>
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            <td style="width: 11.61%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;260,001</div>
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            <td style="width: 1.66%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;185,610</div>
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            <td style="width: 1.66%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Total liabilities and shareholders' equity</div>
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            <td style="width: 11.61%; vertical-align: top; border-bottom: #000000 4px double;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; 2,612,201</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top; border-bottom: #000000 4px double;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$2,486,162</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">&#160;</td>
            <td style="width: 11.61%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net interest income</div>
            </td>
            <td style="width: 11.61%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; 26,947</div>
            </td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; 22,968</div>
            </td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Interest rate spread<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;"> 1</sup></div>
            </td>
            <td style="width: 11.61%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.61%</div>
            </td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.10%</div>
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          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net interest margin<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;"> 2</sup></div>
            </td>
            <td style="width: 11.61%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
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            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4.26%</div>
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            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.81%</div>
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          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Average interest earning assets to interest-bearing liabilities</div>
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            <td style="width: 11.61%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">154.7%</div>
            </td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">150.8%</div>
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            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.7%; vertical-align: top;">&#160;</td>
            <td style="width: 11.61%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 36.7%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Notes:</div>
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            <td style="width: 11.61%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.65%; vertical-align: top;">&#160;</td>
            <td style="width: 10.1%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 8.33%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 100%; vertical-align: top;" colspan="12">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1 </sup>The Interest rate spread is the difference between the yield on average interest-earning assets and the cost of average
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          <tr>
            <td style="width: 100%; vertical-align: top;" colspan="12">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> Net interest margin is the annualized net interest income divided by average interest-earning assets</div>
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    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">ORANGE COUNTY BANCORP, INC.</div>
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          <tr>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">NET INTEREST MARGIN ANALYSIS</div>
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            <td style="width: 36.11%; vertical-align: top;" rowspan="1" colspan="12">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">(UNAUDITED)</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(Dollar Amounts in thousands)</div>
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          <tr>
            <td style="width: 36.11%; vertical-align: top;">&#160;</td>
            <td style="width: 11.41%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 36.11%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Nine Months Ended September 30,</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2025</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2024</div>
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            <td style="width: 36.11%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 13.02%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Average Balance</div>
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            <td style="width: 9.93%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Interest</div>
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            <td style="width: 1.61%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 9.81%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Average Rate</div>
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            <td style="width: 11.53%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Average Balance</div>
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            <td style="width: 8.19%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Interest</div>
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            <td style="width: 1.61%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.18%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Average Rate</div>
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          <tr>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Assets:</div>
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            <td style="width: 11.41%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
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            <td style="width: 36.11%; vertical-align: top;">
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            <td style="width: 11.41%; vertical-align: top;">
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; 78,761</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">6.02%</div>
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          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">PPP Loans</div>
            </td>
            <td style="width: 11.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;152</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">7.92%</div>
            </td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;197</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4.06%</div>
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          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Investment securities</div>
            </td>
            <td style="width: 11.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;430,011</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;9,244</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2.87%</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;470,701</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;10,048</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2.84%</div>
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          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Due from banks</div>
            </td>
            <td style="width: 11.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;156,043</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,724</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4.05%</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;156,899</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,556</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4.72%</div>
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          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Other</div>
            </td>
            <td style="width: 11.41%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,066</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;435</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">8.23%</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;7,945</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;650</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">10.90%</div>
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          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total interest earning assets</div>
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            <td style="width: 11.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,473,790</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;99,659</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">5.39%</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;2,377,935</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;95,021</div>
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            <td style="width: 8.18%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">5.32%</div>
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          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Non-interest earning assets</div>
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            <td style="width: 11.41%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;103,466</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;96,047</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Total assets</div>
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            <td style="width: 11.41%; vertical-align: top; border-bottom: #000000 4px double;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; 2,577,256</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
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            <td style="width: 9.92%; vertical-align: top; border-bottom: #000000 4px double;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$ 2,473,982</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 36.11%; vertical-align: top;">&#160;</td>
            <td style="width: 11.41%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top;">
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            <td style="width: 11.41%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top;">
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            </td>
            <td style="width: 11.41%; vertical-align: top;">
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; 1,348</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0.48%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top;">
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            </td>
            <td style="width: 11.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;694,835</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; 10,997</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2.12%</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;660,795</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;11,233</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2.26%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Savings accounts</div>
            </td>
            <td style="width: 11.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;299,342</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; 3,127</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1.40%</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;249,013</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,586</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1.38%</div>
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          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Certificates of deposit</div>
            </td>
            <td style="width: 11.41%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;179,910</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,298</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.94%</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;170,079</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,741</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4.50%</div>
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          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Total interest-bearing deposits</div>
            </td>
            <td style="width: 11.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,567,791</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20,944</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1.79%</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;1,455,011</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;20,908</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1.91%</div>
            </td>
          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">FHLB Advances and other borrowings</div>
            </td>
            <td style="width: 11.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;58,035</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,922</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4.43%</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;123,880</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,734</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">5.09%</div>
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          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Subordinated notes</div>
            </td>
            <td style="width: 11.41%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;19,928</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,078</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">7.23%</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;19,544</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;691</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4.71%</div>
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          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Total interest bearing liabilities</div>
            </td>
            <td style="width: 11.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,645,754</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;23,944</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;1,598,435</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;26,333</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">
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          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Non-interest bearing demand accounts</div>
            </td>
            <td style="width: 11.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;680,266</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;674,727</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top;">
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            <td style="width: 11.41%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;28,619</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;26,701</div>
            </td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Total liabilities</div>
            </td>
            <td style="width: 11.41%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;2,354,639</div>
            </td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;2,299,863</div>
            </td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Total shareholders' equity</div>
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            <td style="width: 11.41%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;222,617</div>
            </td>
            <td style="width: 1.61%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;174,119</div>
            </td>
            <td style="width: 1.61%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 36.11%; vertical-align: top;">
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top; border-bottom: #000000 4px double;">
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 36.11%; vertical-align: top;">&#160;</td>
            <td style="width: 11.41%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net interest income</div>
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            <td style="width: 11.41%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; 75,715</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; 68,688</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Interest rate spread<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;"> 1</sup></div>
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            <td style="width: 11.41%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.44%</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 36.11%; vertical-align: top;">
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            <td style="width: 11.41%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.85%</div>
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          <tr>
            <td style="width: 36.11%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Average interest earning assets to interest-bearing liabilities</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">150.3%</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">148.8%</div>
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            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 36.11%; vertical-align: top;">&#160;</td>
            <td style="width: 11.41%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
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            <td style="width: 36.11%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Notes:</div>
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            <td style="width: 11.41%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.93%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.92%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 100%; vertical-align: top;" colspan="12">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1 </sup>The Interest rate spread is the difference between the yield on average interest-earning assets and the cost of average
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            <td style="width: 82.01%; vertical-align: top;" colspan="9">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> Net interest margin is the annualized net interest income divided by average interest-earning assets</div>
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            <td style="width: 8.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.18%; vertical-align: top;">&#160;</td>
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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">13</font></div>
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          <tr>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">ORANGE COUNTY BANCORP, INC.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 46.13%; vertical-align: top;" colspan="15" rowspan="1">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">SELECTED RATIOS AND OTHER DATA</div>
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            <td style="width: 30.38%; vertical-align: top;" colspan="15" rowspan="1">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">(UNAUDITED)</div>
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            <td style="width: 2.25%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 2.25%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 2.25%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 11.85%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 11.85%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 9.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 2.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 3.71%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 13.9%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 2.25%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 14.43%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 2.25%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 9.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 2.25%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 8.87%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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            <td style="width: 2.25%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 11.85%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 11.85%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 2.05%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Three Months Ended&#160; &#160; &#160; &#160; &#160; September 30,</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Nine Months Ended September 30,</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 11.85%; vertical-align: top;">&#160;</td>
            <td style="width: 11.85%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2024</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2025</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2024</div>
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          <tr>
            <td style="width: 30.38%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Performance Ratios:</div>
            </td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 30.38%; vertical-align: top;" colspan="5">
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            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">
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          <tr>
            <td style="width: 30.38%; vertical-align: top;" colspan="5">
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            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">15.41%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">15.87%</div>
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          <tr>
            <td style="width: 30.38%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Interest rate spread (2)</div>
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            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.61%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.10%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.44%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.13%</div>
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          </tr>
          <tr>
            <td style="width: 30.38%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net interest margin (3)</div>
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            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4.26%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.81%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">4.09%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">3.85%</div>
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          </tr>
          <tr>
            <td style="width: 30.38%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Dividend payout ratio (4)</div>
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            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">17.31%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">40.44%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">16.34%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">18.79%</div>
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          </tr>
          <tr>
            <td style="width: 46.13%; vertical-align: top;" colspan="8">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Non-interest income to average total assets</div>
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            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1.04%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0.67%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0.96%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0.63%</div>
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          </tr>
          <tr>
            <td style="width: 46.13%; vertical-align: top;" colspan="8">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Non-interest expenses to average total assets</div>
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            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2.58%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2.57%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2.59%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">2.52%</div>
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          </tr>
          <tr>
            <td style="width: 46.13%; vertical-align: top;" colspan="8">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Average interest-earning assets to average interest-bearing liabilities</div>
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            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">154.71%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">150.76%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">150.31%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">148.77%</div>
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          <tr>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 11.85%; vertical-align: top;">&#160;</td>
            <td style="width: 11.85%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 11.85%; vertical-align: top;">&#160;</td>
            <td style="width: 11.85%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;At</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;At</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 11.85%; vertical-align: top;">&#160;</td>
            <td style="width: 11.85%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 16.15%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="2">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">September 30, 2025</div>
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            <td style="width: 26.67%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="3">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">September 30, 2024</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 30.38%; vertical-align: top;" colspan="5">
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            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 40.37%; vertical-align: top;" colspan="6">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Non-performing assets to total assets</div>
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            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0.46%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0.44%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 40.37%; vertical-align: top;" colspan="6">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Non-performing loans to total loans</div>
            </td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0.63%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0.62%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 46.13%; vertical-align: top;" colspan="8">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Allowance for credit losses to non-performing loans</div>
            </td>
            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">240.77%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">277.76%</div>
            </td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 42.42%; vertical-align: top;" colspan="7">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Allowance for credit losses to total loans</div>
            </td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1.51%</div>
            </td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">1.73%</div>
            </td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 11.85%; vertical-align: top;">&#160;</td>
            <td style="width: 11.85%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 18.53%; vertical-align: top;" colspan="4">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Capital Ratios (5):</div>
            </td>
            <td style="width: 11.85%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 40.37%; vertical-align: top;" colspan="6">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total capital (to risk-weighted assets)</div>
            </td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">18.03%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">14.89%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 40.37%; vertical-align: top;" colspan="6">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Tier 1 capital (to risk-weighted assets)</div>
            </td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">16.78%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">13.64%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 46.13%; vertical-align: top;" colspan="8">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Common equity tier 1 capital (to risk-weighted assets)</div>
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            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">16.78%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">13.64%</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 40.37%; vertical-align: top;" colspan="6">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Tier 1 capital (to average assets)</div>
            </td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">12.31%</div>
            </td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">10.06%</div>
            </td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 11.85%; vertical-align: top;">&#160;</td>
            <td style="width: 11.85%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.05%; vertical-align: top;">&#160;</td>
            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 6.68%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Notes:</div>
            </td>
            <td style="width: 11.85%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 11.85%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 9.99%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 2.05%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 3.71%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 13.9%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 4.43%; vertical-align: top;" colspan="2">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)&#160;</div>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 93.32%; vertical-align: top;" colspan="12">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Annualized for the three and nine month periods ended September 30, 2025 and 2024, respectively.</div>
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          <tr>
            <td style="width: 4.43%; vertical-align: top;" colspan="2">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(2)&#160;</div>
            </td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 93.32%; vertical-align: top;" colspan="12">
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            <td style="width: 3.71%; vertical-align: top;">&#160;</td>
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            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 14.43%; vertical-align: top;">&#160;</td>
            <td style="width: 2.25%; vertical-align: top;">&#160;</td>
            <td style="width: 9.99%; vertical-align: top;">&#160;</td>
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            <td style="width: 8.87%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">ORANGE COUNTY BANCORP, INC.</div>
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            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 8.53%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
            <td style="width: 5.34%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 8.53%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
            <td style="width: 5.34%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
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          <tr>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Interest income</div>
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            <td style="width: 8.53%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
            <td style="width: 5.34%; vertical-align: top;">&#160;</td>
            <td style="width: 15.01%; vertical-align: top;">
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            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">
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            <td style="width: 2%; vertical-align: top;">&#160;</td>
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          <tr>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Interest expense</div>
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            <td style="width: 8.53%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
            <td style="width: 5.34%; vertical-align: top;">&#160;</td>
            <td style="width: 15.01%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 15.02%; vertical-align: top; border-bottom: #000000 2px solid;">
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          <tr>
            <td style="width: 21.82%; vertical-align: top;" colspan="5">
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            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
            <td style="width: 5.34%; vertical-align: top;">&#160;</td>
            <td style="width: 15.01%; vertical-align: top;">
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            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">
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            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">
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            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">
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            <td style="width: 21.82%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Provision for credit losses</div>
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            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
            <td style="width: 5.34%; vertical-align: top;">&#160;</td>
            <td style="width: 15.01%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 15.02%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 13.95%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 15.02%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">
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            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">
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            <td style="width: 15.02%; vertical-align: top;">
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          <tr>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Noninterest income</div>
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            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
            <td style="width: 5.34%; vertical-align: top;">&#160;</td>
            <td style="width: 15.01%; vertical-align: top;">
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            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">
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            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">
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            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">
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          <tr>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Noninterest expenses</div>
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            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
            <td style="width: 5.34%; vertical-align: top;">&#160;</td>
            <td style="width: 15.01%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 15.02%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 15.02%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
            <td style="width: 5.34%; vertical-align: top;">&#160;</td>
            <td style="width: 15.01%; vertical-align: top;">
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            <td style="width: 15.02%; vertical-align: top;">
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            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">
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            <td style="width: 15.02%; vertical-align: top;">
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            <td style="width: 7.19%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
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            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 8.53%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
            <td style="width: 5.34%; vertical-align: top;">&#160;</td>
            <td style="width: 15.01%; vertical-align: top;">&#160;</td>
            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 8.53%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
            <td style="width: 5.34%; vertical-align: top;">&#160;</td>
            <td style="width: 15.01%; vertical-align: top;">&#160;</td>
            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">&#160;</td>
            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 8.53%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
            <td style="width: 5.34%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;At</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;At</div>
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            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 8.53%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
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            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Book value per share</div>
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            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
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            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Net tangible book value per share (1)</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 15.80</div>
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            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Outstanding common shares</div>
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            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
            <td style="width: 5.34%; vertical-align: top;">&#160;</td>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;13,366,740</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;11,350,158</div>
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            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 8.52%; vertical-align: top;">&#160;</td>
            <td style="width: 8.53%; vertical-align: top;">&#160;</td>
            <td style="width: 7.19%; vertical-align: top;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
            <td style="width: 5.34%; vertical-align: top;">&#160;</td>
            <td style="width: 15.01%; vertical-align: top;">&#160;</td>
            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">&#160;</td>
            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">&#160;</td>
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            <td style="width: 13.3%; vertical-align: top; border-bottom: #000000 2px solid;" colspan="4">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Notes:</div>
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            <td style="width: 7.19%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
            <td style="width: 5.34%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
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            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">&#160;</td>
            <td style="width: 1.59%; vertical-align: top;">&#160;</td>
            <td style="width: 13.95%; vertical-align: top;">&#160;</td>
            <td style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 15.02%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(1)&#160;&#160;&#160;&#160;&#160; Net tangible book value represents the amount of total tangible assets reduced by our total liabilities. Tangible assets are calculated by
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">ORANGE COUNTY BANCORP, INC.</div>
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          <tr>
            <td style="width: 48.31%; vertical-align: top;" colspan="15" rowspan="1">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">LOAN COMPOSITION</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">(UNAUDITED)</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(Dollar Amounts in thousands)</div>
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            <td style="width: 1.67%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 1.67%; vertical-align: top;">&#160;</td>
            <td style="width: 8.83%; vertical-align: top;">&#160;</td>
            <td style="width: 8.84%; vertical-align: top;">&#160;</td>
            <td style="width: 4%; vertical-align: top;">&#160;</td>
            <td style="width: 1.52%; vertical-align: top;">&#160;</td>
            <td style="width: 4.56%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">At September 30, 2025</div>
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            <td style="width: 1.67%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
            <td style="width: 1.67%; vertical-align: top;">&#160;</td>
            <td style="width: 8.83%; vertical-align: top;">&#160;</td>
            <td style="width: 8.84%; vertical-align: top;">&#160;</td>
            <td style="width: 4%; vertical-align: top;">&#160;</td>
            <td style="width: 1.52%; vertical-align: top;">&#160;</td>
            <td style="width: 4.56%; vertical-align: top;">&#160;</td>
            <td style="width: 15.56%; vertical-align: top; border-bottom: #000000 2px solid;">
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            <td style="width: 15.56%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Percent</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Amount</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Percent</div>
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            <td style="width: 13.82%; vertical-align: top;" colspan="4">
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            <td style="width: 4.56%; vertical-align: top;">&#160;</td>
            <td style="width: 15.56%; vertical-align: top;">
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            <td style="width: 28.18%; vertical-align: top; padding-bottom: 2px;" colspan="7">
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            <td style="width: 8.83%; vertical-align: top;">&#160;</td>
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            <td style="width: 4%; vertical-align: top;">&#160;</td>
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            <td style="width: 28.18%; vertical-align: top;" colspan="7">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;(a) - Includes PPP loans of:</div>
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 170</div>
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            <td style="width: 8.83%; vertical-align: top;">&#160;</td>
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            <td style="width: 4%; vertical-align: top;">&#160;</td>
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            <td style="width: 4.56%; vertical-align: top;">&#160;</td>
            <td style="width: 15.56%; vertical-align: top;">&#160;</td>
            <td style="width: 1.66%; vertical-align: top;">&#160;</td>
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    <div style="text-align: center; margin-bottom: 10pt;">
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            <td style="width: 44.83%; vertical-align: top;" colspan="19" rowspan="1">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">ORANGE COUNTY BANCORP, INC.</div>
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          <tr>
            <td style="width: 46.43%; vertical-align: top;" colspan="19" rowspan="1">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">DEPOSITS BY ACCOUNT TYPE</div>
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            <td style="width: 21.83%; vertical-align: top;" colspan="19" rowspan="1">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">(UNAUDITED)</div>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(Dollar Amounts in thousands)</div>
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            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 8.5%; vertical-align: top;">&#160;</td>
            <td style="width: 8.51%; vertical-align: top;">&#160;</td>
            <td style="width: 4.27%; vertical-align: top;">&#160;</td>
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              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">At December 31, 2024</div>
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            <td style="width: 1.6%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 1.6%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 8.5%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 8.51%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 4.27%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
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            <td style="width: 13.28%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Amount</div>
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            <td style="width: 5.52%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Average Rate</div>
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            <td style="width: 9.43%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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            <td style="width: 9.43%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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            <td style="width: 9.43%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;331,115</div>
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            <td style="width: 26.09%; vertical-align: top;" colspan="6">
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            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
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            <td style="width: 8.5%; vertical-align: top;">&#160;</td>
            <td style="width: 8.51%; vertical-align: top;">&#160;</td>
            <td style="width: 4.27%; vertical-align: top;">&#160;</td>
            <td style="width: 1.47%; vertical-align: top;">&#160;</td>
            <td style="width: 3.98%; vertical-align: top;">&#160;</td>
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            <td style="width: 9.42%; vertical-align: top;">&#160;</td>
            <td style="width: 1.61%; vertical-align: top;">&#160;</td>
            <td style="width: 9.42%; vertical-align: top;">&#160;</td>
            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 9.43%; vertical-align: top;">&#160;</td>
            <td style="width: 1.6%; vertical-align: top;">&#160;</td>
            <td style="width: 9.43%; vertical-align: top;">&#160;</td>
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            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
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            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
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            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Commercial real estate construction</div>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
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              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Residential real estate</div>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
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            <td style="width: 18.86%; vertical-align: top;">
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          <tr>
            <td style="width: 16.72%; vertical-align: top;" colspan="4">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Home equity</div>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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          <tr>
            <td style="width: 16.72%; vertical-align: top; padding-bottom: 2px;" colspan="4">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Consumer</div>
            </td>
            <td style="width: 10.68%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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            <td style="width: 2.01%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
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          <tr>
            <td style="width: 27.4%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Total non-accrual loans</div>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
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          </tr>
          <tr>
            <td style="width: 48.77%; vertical-align: top;" colspan="7">
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            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 27.4%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Commercial and industrial</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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          </tr>
          <tr>
            <td style="width: 27.4%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Commercial real estate</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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          <tr>
            <td style="width: 38.08%; vertical-align: top;" colspan="6">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Commercial real estate construction</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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          </tr>
          <tr>
            <td style="width: 27.4%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Residential real estate</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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          </tr>
          <tr>
            <td style="width: 16.72%; vertical-align: top;" colspan="4">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Home equity</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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          </tr>
          <tr>
            <td style="width: 16.72%; vertical-align: top; padding-bottom: 2px;" colspan="4">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Consumer</div>
            </td>
            <td style="width: 10.68%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
            </td>
            <td style="width: 2.01%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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          <tr>
            <td style="width: 38.08%; vertical-align: top; padding-bottom: 2px;" colspan="6">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;Total loans 90 days or more past due</div>
            </td>
            <td style="width: 10.68%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
            </td>
            <td style="width: 2.01%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212; </div>
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          <tr>
            <td style="width: 27.4%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total non-performing loans</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;12,164</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,299</div>
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          </tr>
          <tr>
            <td style="width: 27.4%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Other real estate owned</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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          <tr>
            <td style="width: 38.08%; vertical-align: top; padding-bottom: 2px;" colspan="6">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Other non-performing assets</div>
            </td>
            <td style="width: 10.68%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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            <td style="width: 2.01%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#8212;</div>
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          <tr>
            <td style="width: 27.4%; vertical-align: top;" colspan="5">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total non-performing assets</div>
            </td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: #000000 4px double;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 12,164</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top; border-bottom: #000000 4px double;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; 6,299</div>
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          <tr>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 16.72%; vertical-align: top;" colspan="4">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Ratios:</div>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 48.77%; vertical-align: top;" colspan="7">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total non-performing loans to total loans</div>
            </td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
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          <tr>
            <td style="width: 48.77%; vertical-align: top;" colspan="7">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total non-performing loans to total assets</div>
            </td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
              <div style="text-align: right; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">0.46%</div>
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            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
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          <tr>
            <td style="width: 48.77%; vertical-align: top;" colspan="7">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Total non-performing assets to total assets</div>
            </td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">
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            <td style="width: 2.02%; vertical-align: top;">&#160;</td>
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            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 10.68%; vertical-align: top;">&#160;</td>
            <td style="width: 8.67%; vertical-align: top;">&#160;</td>
            <td style="width: 2.83%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
            <td style="width: 2.01%; vertical-align: top;">&#160;</td>
            <td style="width: 18.86%; vertical-align: top;">&#160;</td>
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  <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">17</font></div>
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    <link:label xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressPostalZipCode" xml:lang="en-US" id="dei_EntityAddressPostalZipCode">Entity Address, Postal Zip Code</link:label>
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    <link:label xlink:type="resource" xlink:label="dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_TradingSymbol" xml:lang="en-US" id="dei_TradingSymbol">Trading Symbol</link:label>
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    <link:label xlink:type="resource" xlink:label="dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SecurityExchangeName" xml:lang="en-US" id="dei_SecurityExchangeName">Security Exchange Name</link:label>
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  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>obt-20251029_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 25.10.1.5333 Broadridge-->
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.25.3</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Oct. 29, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Oct. 29,  2025<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-40711<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">Orange County Bancorp, Inc.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001754226<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">26-1135778<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">212 Dolson Avenue<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Middletown<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">10940<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">845<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">341-5000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, par value $0.25<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">OBT<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityExTransitionPeriod', window );">Entity Ex Transition Period</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityExTransitionPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if an emerging growth company has elected not to use the extended transition period for complying with any new or revised financial accounting standards.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 7A<br> -Section B<br> -Subsection 2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityExTransitionPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
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        </entity>
        <period>
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            <endDate>2025-10-29</endDate>
        </period>
    </context>
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