What is Orange Bank & Trust Company's financial health grade?

Orange Bank & Trust Company has a TFS Financial Health Grade of B (score: 84.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Orange Bank & Trust Company have?

Orange Bank & Trust Company has 16 branch locations across the United States.

Is Orange Bank & Trust Company FDIC insured?

Yes, Orange Bank & Trust Company is FDIC insured (Certificate #12944).

What are the total assets of Orange Bank & Trust Company?

Orange Bank & Trust Company has total assets of $2.7B as reported in its most recent FDIC filing.

Orange Bank & Trust Company

BankMiddletown, New York

www.orangebanktrust.com

Total Assets

$2.7B

Total Deposits

$2.3B

Branches

Established

1892

TFS Health Grade

84.0 / 100

Good financial health

How we grade

Orange Bank & Trust Company is a bank headquartered in Middletown, New York, established in 1892. With $2.7B in total assets and 16 branch locations, it has a TFS Financial Health Grade of B (84.0/100).

Capital & Safety

Tier 1 Capital Ratio

12.67%(8%)

Total Capital Ratio

18.58%(10%)

Non-Performing Loan Ratio

0.57%

Profitability

Return on Assets (ROA)

1.67%(1%)

Return on Equity (ROE)

17.53%(10%)

Net Interest Margin

4.30%

Efficiency Ratio

49.96%(60%)

Lending & Liquidity

Total Loans

$2.0B

Loan-to-Deposit Ratio

82.67%

Net Charge-Off Ratio

0.29%

Growth

Asset Growth (YoY)

+6.00%

Deposit Growth (YoY)

+7.68%

Net Income

$43.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Orange Bank & Trust CompanyHQ	212 Dolson Ave	Middletown	NY	11
Orange Bank & Trust Company	3485 E Tremont Ave	Bronx	NY	11
Orange Bank & Trust Company	1978 Williamsbridge Rd	Bronx	NY	11
Orange Bank & Trust Company	91 Brookside Ave	Chester	NY	11
Orange Bank & Trust Company	2141 Crompond Rd	Cortlandt Manor	NY	11
Orange Bank & Trust Company	54 W Main St	Goshen	NY	11
Orange Bank & Trust Company	1214 E Boston Post Rd	Mamaroneck	NY	11
Orange Bank & Trust Company	715 Route 211 E	Middletown	NY	11
Orange Bank & Trust Company	2093 Rt 208	Montgomery	NY	11
Orange Bank & Trust Company	510 S Columbus Ave	Mount Vernon	NY	11
Orange Bank & Trust Company	374 S Middletown Rd	Nanuet	NY	11
Orange Bank & Trust Company	78 N Plank Rd	Newburgh	NY	11
Orange Bank & Trust Company	254 S Main St	New City	NY	11
Orange Bank & Trust Company	859 Franklin Ave	Thornwood	NY	11
Orange Bank & Trust Company	42 Waller Ave	White Plains	NY	11
Orange Bank & Trust Company	1969 Central Park Ave	Yonkers	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.