Orange Bank & Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 6.4% to $5.7M. Within New York, Orange Bank & Trust Company is 16th of 105 on net interest margin, 4.42% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Orange Bank & Trust Company sits 0.71 points higher, at 4.42% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | 6.02% |
| Yield on securities | 2.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.96% |
| Cost of interest-bearing deposits | 1.37% |
| Cost of interest-bearing liabilities | 1.39% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.42% |
| Yield to cost spread | 3.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.6M |
| Total interest expense | $5.7M |
| Interest expense on deposits | $5.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.98% | 1.31% | 3.76% | 5.81% | 2.55% |
| Q4 2023 | 5.17% | 1.59% | 3.67% | 6.00% | 2.57% |
| Q1 2024 | 5.09% | 1.63% | 3.58% | 5.89% | 2.57% |
| Q2 2024 | 5.35% | 1.46% | 4.01% | 6.20% | 2.57% |
| Q3 2024 | 5.13% | 1.46% | 3.79% | 5.99% | 2.55% |
| Q4 2024 | 5.19% | 1.56% | 3.77% | 6.01% | 2.56% |
| Q1 2025 | 5.13% | 1.41% | 3.84% | 5.97% | 2.54% |
| Q2 2025 | 5.22% | 1.34% | 3.99% | 5.98% | 2.57% |
| Q3 2025 | 5.39% | 1.21% | 4.31% | 6.18% | 2.63% |
| Q4 2025 | 5.48% | 1.13% | 4.47% | 6.29% | 2.61% |
| Q1 2026 | 5.28% | 1.04% | 4.35% | 6.09% | 2.58% |
| Q2 2026 | 5.29% | 0.96% | 4.42% | 6.02% | 2.62% |
Orange Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Orange Bank & Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)