Orange Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 18.02 percentage points in Q2 2026, from 84.60% to 102.62%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Orange Bank & Trust Company ranks 7th highest among the 105 banks headquartered in New York, at 2.03% (Q2 2026). Orange Bank & Trust Company's return on assets of 2.03% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.75 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.95% |
| Tier 1 risk-based capital ratio | 17.95% |
| Total risk-based capital ratio | 19.20% |
| Tier 1 leverage ratio | 13.15% |
| Equity capital to assets | 11.14% |
| Tangible equity to tangible assets | 11.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.30% |
| Non-performing assets ratio | 0.92% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 8.59% |
| Allowance for credit losses to loans | 1.33% |
| Reserve coverage of non-performing loans | 102.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.03% |
| Return on equity | 18.27% |
| Net interest margin | 4.42% |
| Efficiency ratio | 56.72% |
| Yield on earning assets | 5.29% |
| Cost of funds | 0.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.70% |
| Core deposits to total deposits | 99.53% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.60% |
| Securities to assets | 14.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.68% | 12.68% | 13.93% | 9.26% | 1.45% |
| Q4 2023 | 12.91% | 12.91% | 14.16% | 9.42% | 1.32% |
| Q1 2024 | 13.49% | 13.49% | 14.74% | 9.72% | 1.50% |
| Q2 2024 | 13.84% | 13.84% | 15.09% | 10.04% | 1.32% |
| Q3 2024 | 13.64% | 13.64% | 14.89% | 10.06% | 0.54% |
| Q4 2024 | 14.12% | 14.12% | 15.37% | 10.23% | 1.32% |
| Q1 2025 | 14.16% | 14.16% | 15.42% | 10.41% | 1.36% |
| Q2 2025 | 16.36% | 16.36% | 17.61% | 12.40% | 1.64% |
| Q3 2025 | 16.77% | 16.77% | 18.02% | 12.31% | 1.54% |
| Q4 2025 | 17.33% | 17.33% | 18.58% | 12.67% | 2.01% |
| Q1 2026 | 17.66% | 17.66% | 18.91% | 12.80% | 1.71% |
| Q2 2026 | 17.95% | 17.95% | 19.20% | 13.15% | 2.03% |
Orange Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Orange Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)