Regulatory profile
Middletown, NY · FDIC certificate #12944 · RSSD 176101
ORANGE BANK&TRUST CO is an FDIC-insured institution based in Middletown, NY (FDIC certificate #12944). In its Q3 2026 Call Report it reported total assets of $2.7B, total deposits of $2.4B and net loans of $2.0B. Its primary federal regulator is FED. Its current parent is ORANGE COUNTY BANCORP, INC..
Plain-language readout
ORANGE BANK&TRUST CO is compared with 890 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: ORANGE BANK&TRUST CO reported 0.000, in the 0.0th percentile of 890 peers, where the median is 0.016. Common equity tier 1 ratio: ORANGE BANK&TRUST CO reported 0.180, in the 86.8th percentile of 673 peers, where the median is 0.135. Selected CRE loans to gross loans and leases: ORANGE BANK&TRUST CO reported 0.781, in the 96.5th percentile of 862 peers, where the median is 0.468. Selected CRE loans to total capital: ORANGE BANK&TRUST CO reported 4.000, in the 82.4th percentile of 659 peers, where the median is 2.970. Domestic secured CRE noncurrent ratio: ORANGE BANK&TRUST CO reported 0.014, in the 80.0th percentile of 872 peers, where the median is 0.003. Deposit funding ratio: ORANGE BANK&TRUST CO reported 0.876, in the 74.3th percentile of 902 peers, where the median is 0.850. Unadjusted YTD efficiency ratio: ORANGE BANK&TRUST CO reported 0.546, in the 34.5th percentile of 887 peers, where the median is 0.596. Bank equity to assets: ORANGE BANK&TRUST CO reported 0.111, in the 62.0nd percentile of 894 peers, where the median is 0.104. Cash and securities to assets: ORANGE BANK&TRUST CO reported 0.262, in the 68.9th percentile of 895 peers, where the median is 0.208. Quarterly loan growth: ORANGE BANK&TRUST CO reported 0.011, in the 37.6th percentile of 886 peers, where the median is 0.018. Loan-to-asset ratio: ORANGE BANK&TRUST CO reported 0.697, in the 38.5th percentile of 902 peers, where the median is 0.732. Domestic loans to domestic deposits: ORANGE BANK&TRUST CO reported 0.807, in the 31.6th percentile of 890 peers, where the median is 0.881. Net interest margin: ORANGE BANK&TRUST CO reported 4.457, in the 86.6th percentile of 902 peers, where the median is 3.704. Net loans and leases: ORANGE BANK&TRUST CO reported 1947517.000, in the 65.9th percentile of 902 peers, where the median is 1384981.000. Nonaccrual loans ratio: ORANGE BANK&TRUST CO reported 0.010, in the 74.8th percentile of 887 peers, where the median is 0.005. Noncurrent loans ratio: ORANGE BANK&TRUST CO reported 0.011, in the 76.3th percentile of 887 peers, where the median is 0.005. Return on assets: ORANGE BANK&TRUST CO reported 1.885, in the 84.2th percentile of 902 peers, where the median is 1.260. Return on equity: ORANGE BANK&TRUST CO reported 17.030, in the 82.5th percentile of 894 peers, where the median is 12.185. Securities to assets: ORANGE BANK&TRUST CO reported 0.142, in the 47.5th percentile of 895 peers, where the median is 0.147. Selected unused commitments to assets: ORANGE BANK&TRUST CO reported 0.011, in the 27.4th percentile of 417 peers, where the median is 0.025. Time deposits maturing within one year: ORANGE BANK&TRUST CO reported 0.711, in the 12.5th percentile of 880 peers, where the median is 0.914. Total assets: ORANGE BANK&TRUST CO reported 2792253.000, in the 66.0th percentile of 902 peers, where the median is 2016575.000. Total deposits: ORANGE BANK&TRUST CO reported 2446064.000, in the 68.9th percentile of 902 peers, where the median is 1666886.000. Efficiency ratio (official UBPR): ORANGE BANK&TRUST CO reported 0.543, in the 35.6th percentile of 875 peers, where the median is 0.591. Net interest margin (official UBPR): ORANGE BANK&TRUST CO reported 0.044, in the 86.0th percentile of 875 peers, where the median is 0.036. Interest Income (TE) as a percent of Average Assets: ORANGE BANK&TRUST CO reported 0.051, in the 39.1th percentile of 875 peers, where the median is 0.052. Interest Expense as a percent of Average Assets: ORANGE BANK&TRUST CO reported 0.009, in the 4.9th percentile of 875 peers, where the median is 0.018. Net Interest Income (TE) % of Avg Assets: ORANGE BANK&TRUST CO reported 0.042, in the 87.8th percentile of 875 peers, where the median is 0.035. Noninterest Income as a percent of Average Assets: ORANGE BANK&TRUST CO reported 0.000, in the 0.8th percentile of 875 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: ORANGE BANK&TRUST CO reported 0.023, in the 38.4th percentile of 875 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: ORANGE BANK&TRUST CO reported -0.001, in the 1.4th percentile of 875 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: ORANGE BANK&TRUST CO reported 0.020, in the 76.7th percentile of 875 peers, where the median is 0.016. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: ORANGE BANK&TRUST CO reported 0.000, in the 8.6th percentile of 875 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: ORANGE BANK&TRUST CO reported 0.020, in the 76.4th percentile of 875 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: ORANGE BANK&TRUST CO reported 0.019, in the 83.9th percentile of 875 peers, where the median is 0.013. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: ORANGE BANK&TRUST CO reported 0.019, in the 88.8th percentile of 875 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: ORANGE BANK&TRUST CO reported 0.960, in the 58.1th percentile of 875 peers, where the median is 0.956. Average Interest-Bearing Funds as a percent of Average Assets: ORANGE BANK&TRUST CO reported 0.586, in the 8.7th percentile of 875 peers, where the median is 0.723. Interest Income (TE) as a percent of Average Earning Assets: ORANGE BANK&TRUST CO reported 0.053, in the 36.6th percentile of 875 peers, where the median is 0.055. Net Interest Income (TE) as a percent of Average Earning Assets: ORANGE BANK&TRUST CO reported 0.044, in the 85.9th percentile of 875 peers, where the median is 0.037. Net Loss as a percent of Average Total Loans and Leases: ORANGE BANK&TRUST CO reported 0.001, in the 53.7th percentile of 867 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: ORANGE BANK&TRUST CO reported 0.000, in the 6.9th percentile of 867 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: ORANGE BANK&TRUST CO reported 0.796, in the 31.8th percentile of 870 peers, where the median is 0.872. Net Income Attributed to Minority Interests as a percent of Average Assets: ORANGE BANK&TRUST CO reported 0.000, in the 0.3th percentile of 875 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: ORANGE BANK&TRUST CO reported 0.000, in the 4.7th percentile of 875 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: ORANGE BANK&TRUST CO reported 0.000, in the 22.1th percentile of 875 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): ORANGE BANK&TRUST CO reported 0.019, in the 63.7th percentile of 875 peers, where the median is 0.017. Return on assets (official UBPR): ORANGE BANK&TRUST CO reported 0.019, in the 83.9th percentile of 875 peers, where the median is 0.013. Return on equity (official UBPR): ORANGE BANK&TRUST CO reported 0.170, in the 82.4th percentile of 874 peers, where the median is 0.122. Estimated uninsured to domestic deposits: ORANGE BANK&TRUST CO reported 0.608, in the 96.3th percentile of 829 peers, where the median is 0.310.
Peer history below covers 35 quarters of ORANGE BANK&TRUST CO's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.000 | 0.016 | 0.0th | 890 |
| Common equity tier 1 ratio | 0.180 | 0.135 | 86.8th | 673 |
| Selected CRE loans to gross loans and leases | 0.781 | 0.468 | 96.5th | 862 |
| Selected CRE loans to total capital | 4.000 | 2.970 | 82.4th | 659 |
| Domestic secured CRE noncurrent ratio | 0.014 | 0.003 | 80.0th | 872 |
| Deposit funding ratio | 0.876 | 0.850 | 74.3th | 902 |
| Unadjusted YTD efficiency ratio | 0.546 | 0.596 | 34.5th | 887 |
| Bank equity to assets | 0.111 | 0.104 | 62.0nd | 894 |
| Cash and securities to assets | 0.262 | 0.208 | 68.9th | 895 |
| Quarterly loan growth | 0.011 | 0.018 | 37.6th | 886 |
| Loan-to-asset ratio | 0.697 | 0.732 | 38.5th | 902 |
| Domestic loans to domestic deposits | 0.807 | 0.881 | 31.6th | 890 |
| Net interest margin | 4.457 | 3.704 | 86.6th | 902 |
| Net loans and leases | 1947517.000 | 1384981.000 | 65.9th | 902 |
| Nonaccrual loans ratio | 0.010 | 0.005 | 74.8th | 887 |
| Noncurrent loans ratio | 0.011 | 0.005 | 76.3th | 887 |
| Return on assets | 1.885 | 1.260 | 84.2th | 902 |
| Return on equity | 17.030 | 12.185 | 82.5th | 894 |
| Securities to assets | 0.142 | 0.147 | 47.5th | 895 |
| Selected unused commitments to assets | 0.011 | 0.025 | 27.4th | 417 |
| Time deposits maturing within one year | 0.711 | 0.914 | 12.5th | 880 |
| Total assets | 2792253.000 | 2016575.000 | 66.0th | 902 |
| Total deposits | 2446064.000 | 1666886.000 | 68.9th | 902 |
| Efficiency ratio (official UBPR) | 0.543 | 0.591 | 35.6th | 875 |
| Net interest margin (official UBPR) | 0.044 | 0.036 | 86.0th | 875 |
| Interest Income (TE) as a percent of Average Assets | 0.051 | 0.052 | 39.1th | 875 |
| Interest Expense as a percent of Average Assets | 0.009 | 0.018 | 4.9th | 875 |
| Net Interest Income (TE) % of Avg Assets | 0.042 | 0.035 | 87.8th | 875 |
| Noninterest Income as a percent of Average Assets | 0.000 | 0.006 | 0.8th | 875 |
| Non-Interest Expense as a percent of Average Assets | 0.023 | 0.024 | 38.4th | 875 |
| Provision for Loan Losses % of Avg Assets | -0.001 | 0.001 | 1.4th | 875 |
| Pretax Operating Income (TE) % of Avg Assets | 0.020 | 0.016 | 76.7th | 875 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 8.6th | 875 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.020 | 0.016 | 76.4th | 875 |
| Net Operating Income as a percent of Average Assets | 0.019 | 0.013 | 83.9th | 875 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.019 | 0.012 | 88.8th | 875 |
| Average Earning Assets as a percent of Average Assets | 0.960 | 0.956 | 58.1th | 875 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.586 | 0.723 | 8.7th | 875 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.053 | 0.055 | 36.6th | 875 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.044 | 0.037 | 85.9th | 875 |
| Net Loss as a percent of Average Total Loans and Leases | 0.001 | 0.000 | 53.7th | 867 |
| Total LN&LS-30-89 DAYS Past Due % | 0.000 | 0.003 | 6.9th | 867 |
| Net Loans & Leases as a percent of Total Deposits | 0.796 | 0.872 | 31.8th | 870 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.3th | 875 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 4.7th | 875 |
| Provision for Losses Other Assets % of Avg Assets | 0.000 | 0.000 | 22.1th | 875 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.019 | 0.017 | 63.7th | 875 |
| Return on assets (official UBPR) | 0.019 | 0.013 | 83.9th | 875 |
| Return on equity (official UBPR) | 0.170 | 0.122 | 82.4th | 874 |
| Estimated uninsured to domestic deposits | 0.608 | 0.310 | 96.3th | 829 |
Peer interpretation
$1B–$10B asset cohort · 895 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 890 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-12 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Total depositsDEP | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Net loansLNLSNET | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — |
| Return on assetsROA | P25–75 | > P75 | > P75 | P25–75 | P25–75 | P25–75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
| Return on equityROE | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
| Net interest marginNIMY | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.