Orange Bank & Trust Company
Orange Bank & Trust Company is an FDIC insured institution headquartered at
212 Dolson Ave, Middletown, NY 10940.
Deposit Rates -
July 01, 2026
SAVINGS RATES
APY
MIN
Savings
0.08% $2,500
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 -
July 01, 2026
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
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 12944
Date Established
1892
Assets
$ 2.65 billion
Loans
$ 1,921.95 million
Deposits
$ 2.32 billion
Capital
$ 291.74 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 204.20 million
Interest-bearing balances
$ 172.59 million
Total securities
$ 419.41 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 1,921.95 million
Loan loss allowance
$ 28.34 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 $ 2.36 billion
LIABILITIES
Total deposits
$ 2.32 billion
Interest-bearing deposits
$ 1,584.72 million
Deposits held in domestic offices
$ 2.32 billion
% insured (estimated)" 43.72%
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 $ 2.36 billion
Shareholders’ Equity $ 291.74 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 134.98 million
Total Interest Expense
$ 29.42 million
Net interest income
$ 105.56 million
Provision for loan and lease losses
$ 7.75 million
Total non interest income
$ 15.56 million
Total non interest expense
$ 60.52 million
Pre-tax Net Operating Income
$ 9.84 million
Customer Reviews for Orange Bank & Trust Company
Branches
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Orange Bank & Trust Company Locations
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