Orange Bank &Trust Company

Headquarters

212 Dolson Ave
Middletown, NY 10940
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.08% 0.95% →
1-Year CD 0.30% 1.01% →
2-Year CD 0.35% 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage 3.01% 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Orange Bank &Trust Company is an FDIC insured institution located in Middletown, NY. It was founded in 1892 and has approximately $1.35 billion in assets. Customers can open an account at one of its 13 branches.

FDIC Insured Yes
FDIC Certificate # 12944
Date Established 1892
Assets $ 1,346.52 million
Loans $ 925.09 million
Deposits $ 1,214.27 million
Capital $ 118.21 million
 

For a more detailed analysis of Orange Bank &Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.08% $2,500 $4,999 Learn More
Money Market
0.03% $2,500 $2,999 Learn More
Money Market
0.03% $10,000 $14,999 Learn More
Money Market
0.05% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.10% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
Special: 7 Mo CD
0.20% $10,000 - Learn More
12 Mo CD
0.30% $10,000 $14,999 Learn More
12 Mo CD
0.30% $100,000 $199,999 Learn More
24 Mo CD
0.35% $10,000 $14,999 Learn More
24 Mo CD
0.35% $100,000 $199,999 Learn More
36 Mo CD
0.40% $10,000 $14,999 Learn More
36 Mo CD
0.40% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.04% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Orange Bank &Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Orange Bank &Trust Company Locations


Financial Details

Orange Bank &Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Orange Bank &Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Orange Bank &Trust Company U.S. Bank Average
2.55% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Orange Bank &Trust Company had $3,359,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $118,209,000 in equity and $13,481,000 in loans loss reserves. That gives it a Texas Ratio of 2.55%.

Return on Equity
Orange Bank &Trust Company U.S. Bank Average
9.08% 7.80%

Orange Bank &Trust Company has a Return on Equity of 9.08% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Orange Bank &Trust Company U.S. Bank Average
8.78% 12.68%

Orange Bank &Trust Company has a Capitalization of 8.78% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Orange Bank &Trust Company Balance Sheet Analysis

As of March 31, 2020, Orange Bank &Trust Company had assets of $1,346,524,000, loans of $925,091,000, and deposits of $1,214,267,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 84.34 million
Interest-bearing balances $ 70.64 million
Total securities $ 274.93 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 925.09 million
Loan loss allowance $ 13.48 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 47.78 million
     Total Assets $ 1,228.32 million
LIABILITIES
Total deposits $ 1,214.27 million
      Interest-bearing deposits $ 847.41 million
      Deposits held in domestic offices $ 1,214.27 million
      % insured (estimated) 58.76%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 14.05 million
      Total Liabilities $ 1,228.32 million
      Shareholders’ Equity $ 118.21 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 12.73 million
Total Interest Expense $ 1.25 million
Net interest income $ 11.49 million
Provision for loan and lease losses $ 1.20 million
Total non interest income $ 1.34 million
Total non interest expense $ 8.46 million
Pre-tax Net Operating Income $ 3.17 million

Bank Loan Profile?

The top three loan types in Orange Bank &Trust Company’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Multifamily Mortgages.

Compared to other banks in New York, Orange Bank &Trust Company has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.77
Multifamily
Mortgages
15.29
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 7.99
Construction and Development Loans 6.32
Commercial Real Estate 39.54
Commercial and Industrial Loans 25.65
Farm Loans 0.00

Frequently Asked Questions About Orange Bank &trust Company

Branches and Savings

Is Orange Bank &trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #12944.

Why does Orange Bank &trust Company pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Orange Bank &trust Company CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Orange Bank &trust Company a commercial bank?

Yes

Where are Orange Bank &trust Company locations?

See branch locations nearby.

Is Orange Bank &trust Company open on Saturdays?

Is Orange Bank &trust Company open on Sundays?

What time does Orange Bank &trust Company open?

What time does Orange Bank &trust Company close?

Are Orange Bank &trust Company ATMs Open 24/7?

Do Orange Bank &trust Company ATMs accept cash deposits?

Can Orange Bank &trust Company customers use other ATMs?

Do Orange Bank &trust Company branches have notaries?

Will Orange Bank &trust Company notarize my document?

What address for Orange Bank &trust Company should I put for incoming ACH transfers?

Will the Orange Bank &trust Company branch print checks?

Do Orange Bank &trust Company checks expire?

Does Orange Bank &trust Company require US citizenship to open account?

Can Orange Bank &trust Company close my account?

Does Orange Bank &trust Company Report to credit bureaus?

Does Orange Bank &trust Company Use Equifax?

What is Orange Bank &trust Company's ACH Routing Number?

What is Orange Bank &trust Company's SWIFT code?

Products

Does Orange Bank &trust Company offer mortgages?

Compare mortgage rates here.

Does Orange Bank &trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Orange Bank &trust Company offer personal loans?

Compare personal loan rates here.

Does Orange Bank &trust Company offer student loans?

Will Orange Bank &trust Company cash a check?

Will Orange Bank &trust Company redeem a savings bond?

Does Orange Bank &trust Company cash savings bonds?

Will Orange Bank &trust Company cash money orders?

Can Orange Bank &trust Company issue a money order?

Does Orange Bank &trust Company do currency exchange?

Background on The Bank

Who owns Orange Bank &trust Company?

How long has Orange Bank &trust Company been around?

Can Orange Bank &trust Company transfer to other banks?

Does Orange Bank &trust Company have quick pay?

Does Orange Bank &trust Company accept rolled coins?

Will Orange Bank &trust Company accept loose change?

Where is Orange Bank &trust Company headquarters?

Customer Reviews for Orange Bank &Trust Company


  • July 07, 2016 |

    I first dealt with Mrs. Bosch at OCTC in 1975. You will not find a bank who will treat you with the respect and truthfulness a customer deserves.

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