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Orange Bank & Trust Company

Middletown, NY
IDRSSD: 176101
Total Assets
$2.63B
Latest filing
Total Deposits
$2.29B
Latest filing
Net Interest Margin
4.45%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date05/02/1892
Community BankYes
Ownership TypeNot Mutual
ZIP10940
State and County Number36071
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number02
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictNew York
Core Based Statistical Area NamePoughkeepsie-Newburgh-Middletown, NY

Operational Info

Number of Employees210
Domestic Offices15
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.orangebanktrust.com
Data Updated11/14/2025
CERT12944
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$2.63B
Total Deposits$2.29B
Total Liabilities$2.35B
Total Equity Capital$276.33M
Net Income$10.29M
Net Loans and Leases$1.91B
Assets Per Employee ($Millions)$12.63M
Bank Premises and Fixed Assets$18.63M
Cash and Balances due from Depository Institutions$189.85M
Deposits Held in Domestic Offices$2.29B

Key Performance Ratios

Return on Assets (ROA)1.58%
Return on Equity (ROE)15.4%
Net Interest Margin4.45%
Efficiency Ratio46.75%
Tier 1 Risk-Based Capital Ratio16.771%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.59%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.516%
Earning Assets to total Assets95.06%

Income and Expense

Total Interest Income$34.53M
Total Noninterest Income$4.52M
Total Interest Expense$6.96M
Total Noninterest Expense$15.00M
Net Interest Income$27.56M
Pre-tax Net Operating Income$13.21M
Provision for Credit Losses$3.88M
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$32.50M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$26.20M
Total Liabilities and Capital$2.63B

Securities

Securities$426.63M
Available-for-sale debt securities$426.63M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Orange Bank & Trust Company?
$2.63B as of the latest filing.
How much are Orange Bank & Trust Company's total deposits?
$2.29B in total deposits.
Where is Orange Bank & Trust Company located?
Middletown, NY.
What is the Net Interest Margin?
4.45%.
How many domestic offices does it operate?
15.
When was it established?
05/02/1892.
What is the Return on Assets (ROA)?
1.58%.
How much are total loans and leases?
$1.91B (latest filing).
What is the total interest income (latest filing)?
$34.53M.