Orange Bank & Trust Company
Orange Bank & Trust Company reported total assets of $2.8 bn at Q2 2026, up 7.5% on a year earlier, the 454th largest of 497 banks in our US coverage. The CET1 capital ratio at Orange Bank & Trust Company was 17.95%, and the uninsured share of Orange Bank & Trust Company was 60.78%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Orange Bank & Trust Company slipped from 285th to 384th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Orange Bank & Trust Company has one of the highest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 60.78% at , against a median of 32.61% across 339 banks (FDIC Call Reports).
What sets Orange Bank & Trust Company apart
How large is Orange Bank & Trust Company?
The balance sheet of Orange Bank & Trust Company at : assets $2.8 bn, deposits $2.4 bn, net loans $1.9 bn (loans equal to 79.62% of deposits). Securities make up 14.2% of total assets at Orange Bank & Trust Company. Since , when Orange Bank & Trust Company held $861.6 mn, its assets grew 224.1%. In the year to , deposits at Orange Bank & Trust Company rose 7.0% while its total assets rose 7.5%. At , Orange Bank & Trust Company employed 233 full-time equivalent staff across 16 offices, about $12.0 mn of assets per employee and $152.9 mn of deposits per office.
How much funding at Orange Bank & Trust Company is uninsured?
At Orange Bank & Trust Company, uninsured deposits (above the FDIC limit) made up 60.78% of domestic deposits at (+4.09 pp on a year earlier); Orange Bank & Trust Company ranks 27th of 500 on this measure. In dollars, Orange Bank & Trust Company estimated $1.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.4 bn | +7.0% | 432nd of 499 |
| Net loans and leases | $1.9 bn | +3.1% | 449th of 500 |
| Loan-to-deposit ratio | 79.62% | -3.07 pp | 349th of 500 |
| Tier 1 leverage ratio | 13.15% | +0.75 pp | 52nd of 500 |
| Total risk-based capital ratio | 19.20% | +1.60 pp | 47th of 448 |
| Net interest margin | 4.46% | +0.38 pp | 63rd of 500 |
| Return on assets (ROA) | 1.88% | +0.36 pp | 66th of 500 |
| Efficiency ratio | 54.58% | +3.44 pp | 217th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $54.3 mn | Narrowed by $13.8 mn | |
| Noncurrent loans to total loans | 1.12% | +0.51 pp | 384th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.05% | +0.04 pp | 200th of 500 (1 = lowest) |
US rank of Orange Bank & Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Orange Bank & Trust Company: assets, deposits and loans
- Total assets $2.8bn
- Deposits $2.4bn
- Net loans $1.9bn
Capital and securities
The CET1 ratio of Orange Bank & Trust Company stood at 17.95% in , +1.59 pp year on year. Low and high at Orange Bank & Trust Company since : 11.92% () to 17.95% (). Equity capital of Orange Bank & Trust Company at : $311.1 mn, or 11.1% of total assets. Orange Bank & Trust Company also reported a total capital ratio of 19.20% for , and a tier 1 leverage ratio of 13.15%.
The available-for-sale portfolio of Orange Bank & Trust Company showed an unrealized loss of $54.3 mn at ; the loss narrowed by $13.8 mn over the year.
Orange Bank & Trust Company: capital ratios
- Total capital 19%
- CET1 18%
- Tier 1 leverage 13%
Orange Bank & Trust Company: unrealized securities gains and losses
- Available for sale -$54mn
- Held to maturity $0
Profitability and loan quality
For the year to , Orange Bank & Trust Company earned a return on equity of 17.03%; return on assets: 1.88%. Net interest margin at Orange Bank & Trust Company: 4.46%, +0.38 pp in a year. Orange Bank & Trust Company net income: $25.6 mn, up 31.8% year on year. The efficiency ratio of Orange Bank & Trust Company was 54.58%: about 55 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 1.12% of total loans at Orange Bank & Trust Company; net charge-offs: 0.05% of average loans. Gross loans and leases at Orange Bank & Trust Company: $2.0 bn, up 2.9% in a year.
Orange Bank & Trust Company: profitability
- Return on equity 17%
- Net interest margin 4.5%
- Return on assets 1.9%
Peer group of Orange Bank & Trust Company
The peer group of Orange Bank & Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Orange Bank & Trust Company (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in New York. Against them, Orange Bank & Trust Company shows CET1 ratio 17.95% against a peer median of 13.75%, return on equity 17.03% against a peer median of 9.75% and uninsured deposit share 60.78% against a peer median of 21.12%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Chemung Canal Trust Company | National bank | NY | $2.8 bn | 13.84% | 13.04% | 31.40% | |
| State Bank of the Lakes | National bank | IL | $2.8 bn | 10.75% | 13.56% | 20.54% | |
| Bank of New Hampshire | State member bank | NH | $2.8 bn | 13.75% | 8.46% | 18.99% | |
| Orange Bank & Trust Company | State member bank | NY | $2.8 bn | 17.95% | 17.03% | 60.78% | |
| Citizens and Farmers Bank | State nonmember bank | VA | $2.8 bn | 13.54% | 11.04% | 30.51% | |
| Ion Bank | State member bank | CT | $2.8 bn | 15.75% | 7.63% | 21.70% | |
| Sunrise Banks | National bank | SD | $2.8 bn | not reported | 3.75% | 15.33% | |
. FDIC Call Reports.
Last eight quarters
Two years at Orange Bank & Trust Company, to : assets +11.3%, deposits +14.0%, equity +54.7%. Staff 205 to 233.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.5 bn | $2.5 bn | $2.6 bn | $2.6 bn | $2.6 bn | $2.7 bn | $2.7 bn | $2.8 bn |
| Total deposits | $2.1 bn | $2.2 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.3 bn | $2.4 bn | $2.4 bn |
| Bank equity capital | $201.0 mn | $194.7 mn | $209.8 mn | $258.5 mn | $276.3 mn | $291.7 mn | $298.2 mn | $311.1 mn |
| CET1 ratio | 13.64% | 14.12% | 14.16% | 16.36% | 16.77% | 17.33% | 17.66% | 17.95% |
| Return on equity (ROE) | 15.43% | 16.00% | 17.40% | 17.56% | 16.86% | 17.53% | 15.81% | 17.03% |
| Uninsured share of domestic deposits | 54.92% | 51.29% | 52.09% | 56.68% | 58.20% | 56.31% | 59.36% | 60.78% |
| Full-time equivalent employees | 205 | 204 | 210 | 210 | 208 | 210 | 215 | 233 |
| Number of offices | 16 | 16 | 16 | 15 | 16 | 16 | 16 | 16 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Orange Bank & Trust Company appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Orange Bank & Trust Company?
Orange Bank & Trust Company reported $2.8 bn at in its Call Report. That makes Orange Bank & Trust Company the 454th largest of 497 banks in our US coverage.
Is Orange Bank & Trust Company the same as its holding company?
No. This page covers Orange Bank & Trust Company, FDIC certificate 12944; ORANGE COUNTY BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Orange Bank & Trust Company profitable?
Orange Bank & Trust Company reported net income of $25.6 mn for the year to ; annualized return on equity: 17.03%. So yes: Orange Bank & Trust Company made a profit over these months.
When is data for Orange Bank & Trust Company next updated?
Figures from Orange Bank & Trust Company for are due after .
Where can I check the figures for Orange Bank & Trust Company?
In the FDIC BankFind Suite record for certificate 12944, and in the Call Reports of Orange Bank & Trust Company (RSSD ID 176101) at the FFIEC Central Data Repository.