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<!--Based on XBRL 2.1-->
<!--Created on: 6/25/2026 4:53:04 PM-->
<!--Modified on: 6/25/2026 4:53:04 PM-->
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  <xsd:element name="EmployeeBenefitPlanInvestmentValuationAndIncomeRecognitionPolicyTextBlock" id="obt_EmployeeBenefitPlanInvestmentValuationAndIncomeRecognitionPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanPlanTerminationAbstract" id="obt_EmployeeBenefitPlanPlanTerminationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanVestingPercentageInEventOfPlanTermination" id="obt_EmployeeBenefitPlanVestingPercentageInEventOfPlanTermination" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanEmployerStockFundAbstract" id="obt_EmployeeBenefitPlanEmployerStockFundAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanEmployerStockFundTable" id="obt_EmployeeBenefitPlanEmployerStockFundTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanEmployerStockFundLineItems" id="obt_EmployeeBenefitPlanEmployerStockFundLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanEmployerStockFundTextBlock" id="obt_EmployeeBenefitPlanEmployerStockFundTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanValuePerShareOrUnit" id="obt_EmployeeBenefitPlanValuePerShareOrUnit" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanAdministrationOfPlanAssetsAbstract" id="obt_EmployeeBenefitPlanAdministrationOfPlanAssetsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanAdministrationOfPlanAssetsTable" id="obt_EmployeeBenefitPlanAdministrationOfPlanAssetsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanAdministrationOfPlanAssetsLineItems" id="obt_EmployeeBenefitPlanAdministrationOfPlanAssetsLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanAdministrationOfPlanAssetsTextBlock" id="obt_EmployeeBenefitPlanAdministrationOfPlanAssetsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EBP004Member" id="obt_EBP004Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BairdMember" id="obt_BairdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="GreatGrayTrustCompanyMember" id="obt_GreatGrayTrustCompanyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RelianceTrustCompanyMember" id="obt_RelianceTrustCompanyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OrangeCountyBancorpMember" id="obt_OrangeCountyBancorpMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PutnamFiduciaryTrustCompanyMember" id="obt_PutnamFiduciaryTrustCompanyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StateStreetGlobalAdvTrustCoMember" id="obt_StateStreetGlobalAdvTrustCoMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanConcentrationsTextBlock" id="obt_EmployeeBenefitPlanConcentrationsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanConcentrationOfInvestmentNumber" id="obt_EmployeeBenefitPlanConcentrationOfInvestmentNumber" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanEmployerMember" id="obt_EmployeeBenefitPlanEmployerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanInvestmentSharesHeldPercentage" id="obt_EmployeeBenefitPlanInvestmentSharesHeldPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanNonexemptTransactionsAbstract" id="obt_EmployeeBenefitPlanNonexemptTransactionsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanNonexemptTransactionsTable" id="obt_EmployeeBenefitPlanNonexemptTransactionsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanNonexemptTransactionsLineItems" id="obt_EmployeeBenefitPlanNonexemptTransactionsLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeBenefitPlanNonexemptTransactionsTextBlock" id="obt_EmployeeBenefitPlanNonexemptTransactionsTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeBenefitPlanUndepositedAmount" id="obt_EmployeeBenefitPlanUndepositedAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="EmployeeBenefitPlanEmployerStockFundComponentsTableTextBlock" id="obt_EmployeeBenefitPlanEmployerStockFundComponentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
</xsd:schema>
