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  <xsd:element id="obt_PensionPlanAndStockCompensationAbstract" name="PensionPlanAndStockCompensationAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
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  <xsd:element id="obt_NetIncreaseInLoans" name="NetIncreaseInLoans" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="obt_RegulatoryCapitalMattersAbstract" name="RegulatoryCapitalMattersAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
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  <xsd:element id="obt_WealthManagementSegmentMember" name="WealthManagementSegmentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="obt_BankingRegulationCommonEquityTierOneRiskBasedCapitalExcessActual" name="BankingRegulationCommonEquityTierOneRiskBasedCapitalExcessActual" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
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  <xsd:element id="obt_MeasurementInputAppraisalAndLiquidationAdjustmentMember" name="MeasurementInputAppraisalAndLiquidationAdjustmentMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
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  <xsd:element name="FinancingReceivableRecordedInvestmentsAgingAbstract" id="obt_FinancingReceivableRecordedInvestmentsAgingAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OrangeCountyNewYorkMember" id="obt_OrangeCountyNewYorkMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="WestchesterCountyNewYorkMember" id="obt_WestchesterCountyNewYorkMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RocklandCountyNewYorkMember" id="obt_RocklandCountyNewYorkMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfOfficesInNewYork" id="obt_NumberOfOfficesInNewYork" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BronxCountyNewYorkMember" id="obt_BronxCountyNewYorkMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NoninterestIncomeOverdraftFee" id="obt_NoninterestIncomeOverdraftFee" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NoninterestIncomeOtherCharges" id="obt_NoninterestIncomeOtherCharges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FairValueAssetsLevel1ToLevel2TransfersAmount1" id="obt_FairValueAssetsLevel1ToLevel2TransfersAmount1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FairValueAssetsLevel2ToLevel1TransfersAmount1" id="obt_FairValueAssetsLevel2ToLevel1TransfersAmount1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FairValueLiabilitiesLevel1ToLevel2TransfersAmount1" id="obt_FairValueLiabilitiesLevel1ToLevel2TransfersAmount1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FairValueLiabilitiesLevel2ToLevel1TransfersAmount1" id="obt_FairValueLiabilitiesLevel2ToLevel1TransfersAmount1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ImpairedFinancingReceivableExcludingAccruedInterestAllowanceForCreditLossesIndividuallyEvaluated" id="obt_ImpairedFinancingReceivableExcludingAccruedInterestAllowanceForCreditLossesIndividuallyEvaluated" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ImpairedFinancingReceivableExcludingAccruedInterestAllowanceForCreditLossesCollectivelyEvaluated" id="obt_ImpairedFinancingReceivableExcludingAccruedInterestAllowanceForCreditLossesCollectivelyEvaluated" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ImpairedFinancingReceivableExcludingAccruedInterestIndividuallyEvaluated" id="obt_ImpairedFinancingReceivableExcludingAccruedInterestIndividuallyEvaluated" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
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  <xsd:element name="FinancingReceivableExcludingInterestThresholdLimitForIndividualEvaluationOfCreditRisk" id="obt_FinancingReceivableExcludingInterestThresholdLimitForIndividualEvaluationOfCreditRisk" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
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  <xsd:element name="ProceedsFromPaymentsToFederalHomeLoanBankAdvancesShortTerm" id="obt_ProceedsFromPaymentsToFederalHomeLoanBankAdvancesShortTerm" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonaccrualAllowanceForCreditLoss" id="obt_FinancingReceivableNonaccrualAllowanceForCreditLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
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  <xsd:element name="FinancingReceivableModificationsNumberOfContracts1" id="obt_FinancingReceivableModificationsNumberOfContracts1" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ImpairmentLossDebtSecuritiesAvailableForSale" id="obt_ImpairmentLossDebtSecuritiesAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LoansReceivableCollateralDependentFairValueDisclosure" id="obt_LoansReceivableCollateralDependentFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LoansReceivableCollateralDependentMeasurementInput" id="obt_LoansReceivableCollateralDependentMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="FinancingReceivableIndividuallyEvaluatedForImpairmentRelatedAllowance" id="obt_FinancingReceivableIndividuallyEvaluatedForImpairmentRelatedAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ScheduleOfCollateralDependentFinancingReceivablesTableTextBlock" id="obt_ScheduleOfCollateralDependentFinancingReceivablesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtSecuritiesPledgedToSecurePublicDeposits" id="obt_DebtSecuritiesPledgedToSecurePublicDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
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  <xsd:element name="ServiceChargesOnDepositAccountsAbstract" id="obt_ServiceChargesOnDepositAccountsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EquityIncentive2023PlanMember" id="obt_EquityIncentive2023PlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ProceedsFromIssuanceOfCommonStockGross" id="obt_ProceedsFromIssuanceOfCommonStockGross" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
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  <xsd:element name="CapitalContributionToBankFromEquityOffering" id="obt_CapitalContributionToBankFromEquityOffering" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
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  <xsd:element name="CommercialRealEstateAndResidentialRealEstatePortfolioSegmentMember" id="obt_CommercialRealEstateAndResidentialRealEstatePortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommercialRealEstateAndHomeEquityMember" id="obt_CommercialRealEstateAndHomeEquityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
