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 - June 09, 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 - June 09, 2025

MORTGAGE PURCHASE	APR(%)	MONTHLY PAYMENT
10 Year Fixed Conforming	6.02%	$3,536.13
15 Year Fixed Conforming	6.14%	$2,724.78
20 Year Fixed Conforming	6.39%	$2,364.78

MORTGAGE REFINANCE	APR(%)	MONTHLY PAYMENT
10 Year Fixed Conforming	6.02%	$3,536.13
15 Year Fixed Conforming	6.14%	$2,724.78
20 Year Fixed Conforming	6.39%	$2,364.78

See Other Mortgage Rates →

Overview 2025

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 12944
Date Established	1892
Assets	$ 2.50 billion
Loans	$ 1,789.67 million
Deposits	$ 2.16 billion
Capital	$ 194.73 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 150.32 million
Interest-bearing balances	$ 138.57 million
Total securities	$ 443.78 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 1,789.67 million
Loan loss allowance	$ 26.08 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	$ 2.31 billion

LIABILITIES
Total deposits	$ 2.16 billion
Interest-bearing deposits	$ 1,502.22 million
Deposits held in domestic offices	$ 2.16 billion
% insured (estimated)"	48.73%
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	$ 2.31 billion
Shareholders’ Equity	$ 194.73 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 127.23 million
Total Interest Expense	$ 34.54 million
Net interest income	$ 92.69 million
Provision for loan and lease losses	$ 7.71 million
Total non interest income	$ 8.81 million
Total non interest expense	$ 56.44 million
Pre-tax Net Operating Income	$ 9.84 million

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Branches

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