Orange Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Orange Bank & Trust Company of Middletown, NY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.03% | 1.46% | +0.57% | 88th top |
| ROAE | 18.27% | 12.71% | +5.56% | 85th top |
| Net Interest Margin | 4.42% | 3.85% | +0.57% | 86th top |
| Efficiency Ratio | 56.72% | 57.41% | -0.69% | 56th above |
| PPNR / Avg Assets | 1.66% | 1.88% | -0.22% | 45th below |
| Yield on Earning Assets | 5.29% | 5.72% | -0.43% | 34th below |
| Cost of Funds | 0.96% | 2.02% | -1.06% | 95th top |
| Net Interest Spread | 3.90% | 3.18% | +0.72% | 89th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.30% | 1.00% | +0.30% | 23rd bottom |
| NPA / Total Assets | 0.92% | 0.76% | +0.16% | 27th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.11% | 0.43% | -0.32% | 28th below |
| ACL / Total Loans | 1.33% | 1.31% | +0.02% | 74th above |
| ACL / NPLs (Coverage) | 102.62% | 543.84% | -441.22% | 31st below |
| Texas Ratio | 8.59% | 7.39% | +1.20% | 28th below |
| Provision / NCO | -276.72% | 619.75% | -896.47% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.95% | 17.34% | +0.61% | 87th top |
| Tier 1 Ratio | 17.95% | 17.37% | +0.58% | 86th top |
| Total Capital Ratio | 19.20% | 18.42% | +0.78% | 87th top |
| Leverage Ratio | 13.15% | 11.43% | +1.72% | 86th top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.14% | 11.34% | -0.20% | 62nd above |
| TCE / Tangible Assets | 11.14% | 10.50% | +0.64% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.70% | 86.96% | -6.26% | 69th above |
| Core Deposit Ratio | 99.53% | 85.54% | +13.99% | 98th top |
| Uninsured Deposit Ratio | 60.78% | 33.09% | +27.69% | 3rd bottom |
| Wholesale Funding Ratio | 0.36% | 5.71% | -5.35% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.51% | 9.68% | -2.17% | 65th above |
| Loan Growth (Y/Y) | 2.92% | 8.06% | -5.14% | 34th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.05% | 7.87% | -0.82% | 63rd above |
See Orange Bank & Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Orange Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Orange Bank & Trust Company profile, how to read a UBPR, or how this data updates.