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  "documentTitle": "Orange County Bancorp | IPO Presentation Deck | 28 slides",
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  "authorName": "Orange County Bancorp",
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  "sourceTypeLabel": "Investment bank",
  "presentationDate": "2021-07-01 00:00:00",
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  "notes": "Includes a donut chart for deposit composition, a geographic donut chart, and a line chart comparing deposit beta against peers.",
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      "text": "Composition by Geography",
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      "text": "Total Deposits: $1.7 Billion",
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      "text": "Source: S&P Global Market Intelligence, FDIC. Note: FDIC deposit data as of 6/30/2020. 1) Cost of total deposits calculated using total annualized deposit interest expense and average total deposits in the given period. 2) Deposit beta is calculated as the change in the bank's deposit costs as a percentage of the change in the Fed Fund Rate, measured from 2015Q1 to 2019Q1. 3) Local Peers include NASDAQ, NYSE, NYSEAM, and OTC-traded U.S. banks and thrifts in the NYC MSA with total assets under $50 billion, excluding merger targets and mutuals.",
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      "text": "Keys to Success: Dedicated Deposit Relationship managers, Investment into Treasury / Cash management product suite. Escrow: Attractable DDA capture. Municipal Deposits: Competitive products and niche focus, Focused on local opportunities, Long-term relationships",
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