ORANGE BANK & TRUST COMPANY

MIDDLETOWN, NY | Large | Est. May 2, 1892, midnight | FDIC #12944 | RSSD #176101 | FED
Latest Report: 2025-12-31

ORANGE BANK & TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in MIDDLETOWN, NY, established in May 2, 1892, midnight. As of 2025-12-31, the bank reported total assets of $2.7B and total deposits of $2.3B. Profitability stands at 2.04% ROA and 18.98% ROE, with a net interest margin of 4.74%. The bank's CET1 capital ratio is 17.33%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.57% and a Texas Ratio of 3.47%. FDIC Certificate #12944.

Assets

$2.7B

Deposits

$2.3B

Loans

$2.0B

Equity

$292M

Profitability

Return on Assets (ROA) 2.04%
Return on Equity (ROE) 18.98%
Net Interest Margin (NIM) 4.74%
Yield on Assets 5.82%
Cost of Funds 1.13%

Asset Quality

NPL Ratio 0.57%
Net Charge-Off Ratio 0.29%
Texas Ratio 3.47%
NPA Ratio 0.42%
ACL / Loans 1.45%

Capital & Liquidity

CET1 Ratio 17.33%
Tier 1 Capital 17.33%
Total Capital Ratio 18.58%
Leverage Ratio 12.67%
Loan-to-Deposit 83.89%

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