Orange Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Orange Bank & Trust Company is an FDIC-insured commercial bank headquartered in Middletown, NY, established in 1892 (FDIC certificate 12944), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.79B, up 7.5% from Q2 2025, the 29th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 17.95% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 12944
- Headquarters
- Middletown, NY
- Established
- 1892
- Total assets, Q2 2026
- $2.79B
- Assets vs Q2 2025
- +7.5%
- CET1 ratio, Q2 2026
- 17.95%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 021902475
- Latest call report
- Q2 2026, FFIEC 041 · Orange Bank & Trust Company call report
- Holding company
- ORANGE COUNTY BANCORP, INC.
- Asset rank in state
- 29th of 105 in New York
Problem loans are rising at Orange Bank & Trust Company. The Middletown, New York bank had $2.8 billion in assets at June 30, 2026, up 7.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.12% of loans from 0.61% a year earlier. It pays an average of 0.96% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it holds commercial real estate loans worth 3.5 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Earnings jumped: net income for the quarter was $14 million, 31% above the same quarter a year earlier. Its $202 million commercial and industrial book is now fully current, after 1.13% of it was past due or on nonaccrual a year earlier. One more trend to watch: the multifamily book ($468 million) is worsening: 1.19% of it is past due or on nonaccrual, up from 0.24% a year earlier.
As of June 30, 2026, Orange Bank & Trust Company reported a CET1 capital ratio of 17.95%, a return on assets of 2.03%, a nonperforming-loan ratio of 1.12% and a Texas ratio of 6.56%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Orange Bank & Trust Company is the 29th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.5% to $2.79B, loans rose 1.1% and deposits rose 3.5%. Non-owner-occupied commercial real estate loans made up 39.2% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 23.7%. The FDIC Summary of Deposits lists 16 offices for it, in 14 cities in NY; its Middletown 2 offices book 21% of its branch deposits. Judged on its Q2 2026 call report, Orange Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 212 Dolson Ave, Middletown, NY 10940
- County
- Orange
- Metro Area
- Kiryas Joel-Poughkeepsie-Newburgh, NY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 2, 1892
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 233
- Domestic deposits
- $2.45B
- Allowance for credit losses
- $26.3M
- Net charge-offs (YTD)
- $524K
- Average total assets
- $2.74B
- Average total loans
- $1.97B
- Average interest-bearing deposits
- $1.58B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12944
- Fed RSSD
- 176101
- SEC CIK
- 1754226 → filed by ORANGE COUNTY BANCORP, INC.
- Website
- www.orangebanktrust.com →
- Parent Holding Company
- ORANGE COUNTY BANCORP, INC. (RSSD 3596009) · OBT
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Michael J Gilfeather | CEO | President and CEO |
| Michael Lesler | CFO | EVP, Chief Financial Officer |
| Elizabeth A Jones | COO | SVP, Chief Operating Officer |
| Stephen Rooney | CCO | SVP, Chief Credit Officer |
| Michael Listner | CRO | SVP and Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Orange Bank & Trust Company's total assets ranged from $2.44B (Q3 2023) to $2.79B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.79B total assets against $2.60B; $2.48B total liabilities against $2.34B.
$1.95B net loans and leases against $1.89B; $2.45B total deposits against $2.28B.
$395.9M securities against $410.8M; $334.9M cash and balances due against $175.6M.
$34.5M total interest income against $33.2M; $5.7M total interest expense against $7.9M.
$28.9M net interest income against $25.4M.
-$2.3M total noninterest income against $6.1M; $15.1M total noninterest expense against $14.8M.
-$1.0M provision for credit losses against $2.1M.
$13.9M net income against $10.6M.
2.03% return on assets against 1.64%; 4.42% net interest margin against 3.99%.
17.95% CET1 capital ratio against 16.36%; 13.15% tier 1 leverage ratio against 12.40%.
Inside the full Orange Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Orange Bank & Trust Company rankings
Its closest position to the top of a national ranking is 34 of 980, for uninsured deposits; its furthest is 1,453 of 3,606, for efficiency ratio.
Metric pages for Orange Bank & Trust Company: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.54% (Q3 2024) to 2.03% (Q2 2026) and its net interest margin ran from 3.77% (Q4 2024) to 4.47% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.95% | 2.03% | 1.12% | 6.56% | 4.42% |
| Q1 2026 | 17.66% | 1.71% | 1.33% | 7.99% | 4.35% |
| Q4 2025 | 17.33% | 2.01% | 0.57% | 3.47% | 4.47% |
| Q3 2025 | 16.77% | 1.54% | 0.63% | 3.98% | 4.31% |
| Q2 2025 | 16.36% | 1.64% | 0.61% | 4.08% | 3.99% |
| Q1 2025 | 14.16% | 1.36% | 0.33% | 2.63% | 3.84% |
| Q4 2024 | 14.12% | 1.32% | 0.35% | 2.85% | 3.77% |
| Q3 2024 | 13.64% | 0.54% | 0.62% | 4.81% | 3.79% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Orange Bank & Trust Company (main office) | Middletown , NY | 10940 | $323.9M |
| White Plains Branch | White Plains , NY | 10601 | $303.0M |
| Mt. Vernon Branch | Mount Vernon , NY | 10550 | $260.2M |
| Mamaroneck Branch | Mamaroneck , NY | 10543 | $196.7M |
| Dunning Road Branch | Middletown , NY | 10941 | $187.3M |
| New City Branch | New City , NY | 10956 | $175.9M |
| Chester Branch | Chester , NY | 10918 | $145.5M |
| Newburgh Branch | Newburgh , NY | 12550 | $138.8M |
| Montgomery Branch | Montgomery , NY | 12549 | $122.4M |
| Yonkers Branch | Yonkers , NY | 10710 | $118.6M |
| Goshen Branch Main | Goshen , NY | 10924 | $100.5M |
| Mt. Pleasant Branch | Thornwood , NY | 10594 | $94.2M |
| Bronx Branch | Bronx , NY | 10461 | $93.7M |
| Nanuet Branch | Nanuet , NY | 10954 | $92.0M |
| Cortlandt Manor Branch | Cortlandt Manor , NY | 10567 | $85.3M |
| Tremont Branch | Bronx , NY | 10465 | $8.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NY, rank 52 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Orange Bank & Trust Company
What are Orange Bank & Trust Company's total assets?
As of the Q2 2026 filing, Orange Bank & Trust Company reported total assets of $2.79 billion in its FFIEC call report.
Where is Orange Bank & Trust Company headquartered?
It is headquartered in Middletown, NY, United States.
When was Orange Bank & Trust Company founded?
It was established in 1892, per the FDIC institution directory.
Is Orange Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12944). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Orange Bank & Trust Company?
Orange Bank & Trust Company's primary federal regulator is the Federal Reserve.
What is Orange Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.95% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Orange Bank & Trust Company operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Orange Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 6.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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