Orange Bank & Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Orange Bank & Trust Company is the primary bank subsidiary of its parent holding company, headquartered in Middletown, NY. The Q2 2026 balance sheet stands at $2.8B in assets, including $2.0B in loans. Regulatory capital is solid, 17.95% CET1 and 19.20% total risk-based capital ratio. The bank posts a strong 2.03% ROA and 18.27% ROE. Asset quality is solid, 1.30% nonperforming loans and a 8.59% Texas Ratio. Orange Bank & Trust Company operates a 16-branch network.
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 1.30%, a Texas ratio of 8.59%, per financial data filed with the FFIEC.
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
- Offices
- 16 domestic
- 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 |
|---|---|---|
| Gilfeather Michael J | CEO | President and CEO |
| Lesler Michael | CFO | EVP, Chief Financial Officer |
| Jones Elizabeth A | COO | SVP, Chief Operating Officer |
| Rooney Stephen | CCO | SVP, Chief Credit Officer |
| Listner Michael | CRO | SVP and Chief Risk Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Orange Bank & Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Orange Bank & Trust Company, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Orange Bank & Trust Company: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.95% | 2.03% | 1.30% | 8.59% | 4.42% |
| Q1 2026 | 17.66% | 1.71% | 1.69% | 10.10% | 4.35% |
| Q4 2025 | 17.33% | 2.01% | 0.92% | 5.63% | 4.47% |
| Q3 2025 | 16.77% | 1.54% | 1.15% | 7.25% | 4.31% |
| Q2 2025 | 16.36% | 1.64% | 1.13% | 7.58% | 3.99% |
| Q1 2025 | 14.16% | 1.36% | 0.88% | 6.90% | 3.84% |
| Q4 2024 | 14.12% | 1.32% | 0.92% | 7.58% | 3.77% |
| Q3 2024 | 13.64% | 0.54% | 1.19% | 9.34% | 3.79% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 16 branches →
| 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
What the public regulatory sources show for Orange Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 52 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Orange Bank & Trust Company’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Orange Bank & Trust Company with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Orange Bank & Trust Company headquartered?
Orange Bank & Trust Company is headquartered in Middletown, NY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Orange Bank & Trust Company founded?
Orange Bank & Trust Company was established in 1892, per the FDIC institution directory.
Is Orange Bank & Trust Company FDIC-insured?
Yes. Orange Bank & Trust Company 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Orange Bank & Trust Company's CET1 capital ratio?
Orange Bank & Trust Company 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?
Orange Bank & Trust Company 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?
Orange Bank & Trust Company's Texas Ratio is 8.59% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Orange Bank & Trust Company.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Orange Bank & Trust Company, freeFree account