Orange Bank & Trust Company
Middletown, NY
IDRSSD: 176101
Total Assets
$2.65B
Latest filing
Total Deposits
$2.32B
Latest filing
Net Interest Margin
4.59%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Orange Bank & Trust Company
212 Dolson Ave
Middletown, NY 10940
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/02/1892FDIC Certificate 8187
Branches (15)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Orange Bank & Trust Company (Main) | 212 Dolson Ave | Middletown, NY |
| DUNNING ROAD BRANCH | 715 Route 211 E | Middletown, NY |
| MONTGOMERY BRANCH | 2093 Rt 208 | Montgomery, NY |
| CHESTER BRANCH | 91 Brookside Ave | Chester, NY |
| GOSHEN BRANCH MAIN | 54 W Main St | Goshen, NY |
| NEWBURGH BRANCH | 78 N Plank Rd | Newburgh, NY |
| WHITE PLAINS BRANCH | 42 Waller Ave | White Plains, NY |
| NEW CITY BRANCH | 254 S Main St | New City, NY |
Showing 7 of 15
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 Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 05/02/1892 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 10940 |
| State and County Number | 36071 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 02 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Poughkeepsie-Newburgh-Middletown, NY |
Operational Info
| Number of Employees | 208 |
| Domestic Offices | 16 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.orangebanktrust.com |
| Data Updated | 01/30/2026 |
| CERT | 12944 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.65B |
| Total Deposits | $2.32B |
| Total Liabilities | $2.36B |
| Total Equity Capital | $291.74M |
| Net Income | $13.47M |
| Net Loans and Leases | $1.92B |
| Assets Per Employee ($Millions) | $12.62M |
| Bank Premises and Fixed Assets | $19.27M |
| Cash and Balances due from Depository Institutions | $204.20M |
| Deposits Held in Domestic Offices | $2.32B |
Key Performance Ratios
| Return on Assets (ROA) | 2.04% |
| Return on Equity (ROE) | 18.98% |
| Net Interest Margin | 4.59% |
| Efficiency Ratio | 51.07% |
| Tier 1 Risk-Based Capital Ratio | 17.33% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.24% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.005% |
| Earning Assets to total Assets | 94.83% |
Income and Expense
| Total Interest Income | $35.32M |
| Total Noninterest Income | $2.52M |
| Total Interest Expense | $6.55M |
| Total Noninterest Expense | $15.98M |
| Net Interest Income | $28.77M |
| Pre-tax Net Operating Income | $13.75M |
| Provision for Credit Losses | $1.56M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $24.49M |
| Total Liabilities and Capital | $2.65B |
Securities
| Securities | $419.41M |
| Available-for-sale debt securities | $419.41M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$2.65B as of the latest filing.
How much are Orange Bank & Trust Company's total deposits?
$2.32B in total deposits.
Where is Orange Bank & Trust Company located?
Middletown, NY.
What is the Net Interest Margin?
4.59%.
How many domestic offices does it operate?
16.
When was it established?
05/02/1892.
What is the Return on Assets (ROA)?
2.04%.
How much are total loans and leases?
$1.92B (latest filing).
What is the total interest income (latest filing)?
$35.32M.