Banks | Orange Bank & Trust Company

Orange Bank & Trust Company

Orange Bank & Trust Company is an FDIC insured institution headquartered at 212 Dolson Ave, Middletown, NY 10940.
It was founded in 1892 and has approximately $3 billion in assets. Customers can open an account at one of its 13 branches.

Deposit Rates - December 18, 2025

SAVINGS RATES	APY	MIN
Savings	0.08%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.25%	$10,000	Compare
6 Mo CD	0.30%	$100,000	Compare
Special: 7 Mo CD	0.20%	$10,000	Compare
12 Mo CD	0.30%	$10,000	Compare
12 Mo CD	0.30%	$100,000	Compare
24 Mo CD	0.35%	$10,000	Compare
24 Mo CD	0.35%	$100,000	Compare
36 Mo CD	0.40%	$10,000	Compare
36 Mo CD	0.40%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.03%	$2,500	Compare
Money Market	0.03%	$10,000	Compare
Money Market	0.05%	$25,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.04%	$2,500

Loan Rates - December 18, 2025

MORTGAGE PURCHASE	APR(%)	MONTHLY PAYMENT
10 Year Fixed Conforming	5.90%	$3,536.13
15 Year Fixed Conforming	6.02%	$2,724.78
20 Year Fixed Conforming	6.14%	$2,364.78

MORTGAGE REFINANCE	APR(%)	MONTHLY PAYMENT
10 Year Fixed Conforming	5.90%	$3,536.13
15 Year Fixed Conforming	6.02%	$2,724.78
20 Year Fixed Conforming	6.14%	$2,364.78

See Other Mortgage Rates →

Overview 2025

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 12944
Date Established	1892
Assets	$ 2.60 billion
Loans	$ 1,889.39 million
Deposits	$ 2.28 billion
Capital	$ 258.49 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions	$ 175.59 million
Interest-bearing balances	$ 156.32 million
Total securities	$ 410.81 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 1,889.39 million
Loan loss allowance	$ 28.41 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	$ 85.25 million
Total Assets	$ 2.34 billion

LIABILITIES
Total deposits	$ 2.28 billion
Interest-bearing deposits	$ 1,589.60 million
Deposits held in domestic offices	$ 2.28 billion
% insured (estimated)"	43.35%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	N.A.
Subordinated debt	N.A.
All other liabilities	$ 18.16 millionn
Total Liabilities	$ 2.34 billion
Shareholders’ Equity	$ 258.49 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income	$ 65.13 million
Total Interest Expense	$ 15.90 million
Net interest income	$ 49.23 million
Provision for loan and lease losses	$ 2.32 million
Total non interest income	$ 8.53 million
Total non interest expense	$ 29.54 million
Pre-tax Net Operating Income	$ 9.84 million

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Branches

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Your current location is: New York City, NY

Orange Bank & Trust Company Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT

BANK

BANK TYPE

STATE

AMOUNT

TERM

APY

VS.NATL'L AV.

MIN

MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

LOCAL SAVINGS

Orange Bank &Trust Company

Bank

NEW YORK

$50,000

N.A.

0.08%

0.35x (National Avg. - 0.23%)

$2,500

SCENARIO

Year	Rate 0.08%	Annual Interest	Annual Interest (After Tax)
1	50,000	40	28
2	50,040	40	28
3	50,080	40	28
4	50,120	40	28
5	50,160	40	28
6	50,200	40	28
7	50,240	40	28
8	50,281	40	28
9	50,321	40	28
10	50,361	40	28
11	50,401	40	28
12	50,442	40	28
13	50,482	40	28
14	50,523	40	28
15	50,563	40	28
16	50,603	40	28
17	50,644	41	28
18	50,684	41	28
19	50,725	41	28
20	50,765	41	28
	TOTAL	$806	$564

ONLINE SAVINGS

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