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Orange Bank & Trust Company
Middletown, NY · FDIC Certificate #12944 · Chartered 05/0
Total assets
$2.79B
Total deposits
$2.45B
Total equity
$311.06M
Net loans
$1.95B
Branches (offices)
16
Net income (YTD)
$25.57M
Rank: #460 of 4,213 U.S. banks by assets · #35 of 115 in New York. Assets changed 7.5% and deposits 7.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.88% |
| Return on equity | 17.03% |
| Net interest margin (YTD) | 4.46% |
| Equity to assets | 11.14% |
| Tier 1 leverage ratio | 13.15% |
| Uninsured deposits (share of deposits) | 60.8% |
| Noncurrent loans (share of loans) | 1.12% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 79.6% |
| Real estate loans (share of loans) | 87.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.70B | 87.2% | |
| Commercial & industrial | $202.03M | 10.4% | |
| Consumer / individual | $36.17M | 1.9% | |
| Construction & development | $117.45M | 6.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.38B | $2.22B | $8.01M | $145.32M |
| Jun 2023 | $2.48B | $2.14B | $12.96M | $156.59M |
| Jun 2024 | $2.47B | $2.20B | $17.89M | $185.81M |
| Jun 2025 | $2.60B | $2.28B | $19.40M | $258.49M |
| Jun 2026 | $2.79B | $2.45B | $25.57M | $311.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $2.45B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.45B.
Similar-sized banks
Bank Of New Hampshire ($2.80B) · Citizens And Farmers Bank ($2.79B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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