Orange Bank & Trust Company is a state-chartered bank (fed member) headquartered in Middletown, New York, in business for about 134 years. At the end of Q2 2026 it reported $2.8B in total assets and $2.4B in deposits, with 16 offices.
Based on its Q2 2026 filing, Orange Bank & Trust Company scores 73/100, which we describe as strong. That is higher than 70% of 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 31st. Its strongest component is earnings (95/100; 1.88%), and its lowest is funding & liquidity (31/100; 80% loans-to-deposits, 61% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 73).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 62 |
| Q4 2024 | 66 |
| Q1 2025 | 69 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 75 |
| Q1 2026 | 68 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.04% |
| Q3 2024 | 10.06% |
| Q4 2024 | 10.23% |
| Q1 2025 | 10.41% |
| Q2 2025 | 12.40% |
| Q3 2025 | 12.31% |
| Q4 2025 | 12.67% |
| Q1 2026 | 12.80% |
| Q2 2026 | 13.15% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.63% |
| Q4 2025 | 0.57% |
| Q1 2026 | 1.33% |
| Q2 2026 | 1.12% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.45% |
| Q3 2024 | 1.15% |
| Q4 2024 | 1.20% |
| Q1 2025 | 1.39% |
| Q2 2025 | 1.52% |
| Q3 2025 | 1.54% |
| Q4 2025 | 1.67% |
| Q1 2026 | 1.74% |
| Q2 2026 | 1.88% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $2.8B | 13.15% | 1.12% | 1.88% | 79.6% |
| Q1 2026 | 68 | $2.7B | 12.80% | 1.33% | 1.74% | 81.4% |
| Q4 2025 | 75 | $2.7B | 12.67% | 0.57% | 1.67% | 82.7% |
| Q3 2025 | 72 | $2.6B | 12.31% | 0.63% | 1.54% | 83.2% |
| Q2 2025 | 72 | $2.6B | 12.40% | 0.61% | 1.52% | 82.7% |
| Q1 2025 | 69 | $2.6B | 10.41% | 0.33% | 1.39% | 79.9% |
| Q4 2024 | 66 | $2.5B | 10.23% | 0.35% | 1.20% | 82.9% |
| Q3 2024 | 62 | $2.5B | 10.06% | 0.62% | 1.15% | 82.3% |
| Q2 2024 | 62 | $2.5B | 10.04% | 0.92% | 1.45% | 77.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chemung Canal Trust Company, National AssociationBank Elmira, NY | 72 out of 100, Strong | $2.8B | 11.4% | 0.38% | vs |
| Habib American BankBank New York, NY | 61 out of 100, Moderate | $2.8B | 8.5% | 0.73% | vs |
| Industrial and Commercial Bank of China USA, National AssociationBank New York, NY | 49 out of 100, Below average | $2.9B | 17.3% | 4.20% | vs |
| Interaudi BankBank New York, NY | 47 out of 100, Below average | $2.7B | 10.0% | 2.36% | vs |
| Esquire Bank, National AssociationBank Jericho, NY | 81 out of 100, Strong | $2.5B | 11.7% | 0.27% | vs |
| Bank of GreeneBank Catskill, NY | 77 out of 100, Strong | $3.2B | 9.9% | 0.23% | vs |
Deposit insurance
Is my money safe at Orange Bank & Trust Company?
Yes. Orange Bank & Trust Company is an FDIC-insured institution (FDIC certificate #12944). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 60.8% of deposits ($1.5B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.20% (benchmark: 10%).
16 locations
Branches
Orange Bank & Trust Company lists 16 offices in 14 cities. Most locations:
- Bronx, NY (2)
- Middletown, NY (2)
- Chester, NY (1)
- Cortlandt Manor, NY (1)
- Goshen, NY (1)
- Mamaroneck, NY (1)
- Montgomery, NY (1)
- Mount Vernon, NY (1)
- Nanuet, NY (1)
- Newburgh, NY (1)
- New City, NY (1)
- Thornwood, NY (1)
HMDA 2025
Mortgage lending
In 2025, Orange Bank & Trust Company reported 84 home-loan applications under HMDA (LEI 5493005ONLDV0W4QDI82): 60 originated ($115,420,000 total), 13 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Orange Bank & Trust Company
- Former names
- Orange County Trust Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 12944
- RSSD ID
- 176101
- Primary regulator
- FED
- Holding company
- Orange County Bcorp Inc
- Established
- May 2, 1892
- Headquarters
- 212 Dolson Ave, Middletown, NY 10940
- Website
- www.orangebanktrust.com
- Employees
- 233
Quick answers
Orange Bank & Trust Company: common questions
Is Orange Bank & Trust Company FDIC insured?
Yes. Orange Bank & Trust Company is an FDIC-insured institution (FDIC certificate #12944). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Orange Bank & Trust Company's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Orange Bank & Trust Company ever failed?
There is no failure record for FDIC certificate #12944 in the FDIC failed bank list.
How many branches does Orange Bank & Trust Company have?
16 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Middletown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Jeff Bank, National AssociationBank Jeffersonville, NY | 95 out of 100, Very strong | $686.2M | 14.9% | 0.37% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| First Federal Savings of MiddletownBank Middletown, NY | 89 out of 100, Very strong | $188.0M | 36.9% | 0.00% | vs |
| International Bank of ChicagoBank Chicago, IL | 82 out of 100, Strong | $982.7M | 12.5% | 0.05% | vs |
| Sing Sing Employees Federal Credit UnionCredit union Briarcliff Mano, NY | 73 out of 100, Strong | $11.0M | 15.6% | 1.26% | vs |
| Co-Operative Federal Credit UnionCredit union Woodridge, NY | 72 out of 100, Strong | $3.3M | 23.2% | 1.08% | vs |