Orange Bank & Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 4.8% from Q1 2026 to Q2 2026, ending at $253.3M against $241.8M. It was the largest change among the key lines on this page. Orange Bank & Trust Company ranks 29th of 82 New York banks on CET1 ratio, in the upper half at 17.95% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Orange Bank & Trust Company sits 4.47 points higher, at 17.95% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.95% |
| Tier 1 risk-based capital ratio | 17.95% |
| Total risk-based capital ratio | 19.20% |
| Tier 1 leverage ratio | 13.15% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $360.3M |
| Tier 1 capital | $360.3M |
| Total risk-based capital | $385.4M |
| Total equity capital | $311.1M |
| Risk-weighted assets | $2.01B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.14% |
| Tangible equity to tangible assets | 11.14% |
| Equity capital to average assets | 11.35% |
| Internal capital growth rate | 15.42% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $106.0M |
| Retained earnings | $253.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$49.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.68% | 12.68% | 13.93% | 9.26% | $1.83B |
| Q4 2023 | 12.91% | 12.91% | 14.16% | 9.42% | $1.85B |
| Q1 2024 | 13.49% | 13.49% | 14.74% | 9.72% | $1.83B |
| Q2 2024 | 13.84% | 13.84% | 15.09% | 10.04% | $1.84B |
| Q3 2024 | 13.64% | 13.64% | 14.89% | 10.06% | $1.88B |
| Q4 2024 | 14.12% | 14.12% | 15.37% | 10.23% | $1.86B |
| Q1 2025 | 14.16% | 14.16% | 15.42% | 10.41% | $1.91B |
| Q2 2025 | 16.36% | 16.36% | 17.61% | 12.40% | $1.96B |
| Q3 2025 | 16.77% | 16.77% | 18.02% | 12.31% | $1.96B |
| Q4 2025 | 17.33% | 17.33% | 18.58% | 12.67% | $1.96B |
| Q1 2026 | 17.66% | 17.66% | 18.91% | 12.80% | $1.98B |
| Q2 2026 | 17.95% | 17.95% | 19.20% | 13.15% | $2.01B |
Orange Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Orange Bank & Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Orange Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12944) · FFIEC NIC profile (RSSD 176101)