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 $2 billion in assets. Customers can open an account at one of its 13 branches.

Deposit Rates - November 27, 2022

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

Overview 2022

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12944
Date Established 1892
Assets $ 2.38 billion
Loans $ 1,448.09 million
Deposits $ 2.22 billion
Capital $ 145.32 million

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 271.44 million
Interest-bearing balances $ 263.79 million
Total securities $ 561.66 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,448.09 million
Loan loss allowance $ 23.64 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 $ 2.24 billion

LIABILITIES
Total deposits $ 2.22 billion
      Interest-bearing deposits $ 1,411.67 million
      Deposits held in domestic offices $ 2.22 billion
      % insured (estimated) 37.41%
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 $ 2.24 billion
      Shareholders’ Equity $ 145.32 million

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 35.75 million
Total Interest Expense $ 1.36 million
Net interest income $ 34.39 million
Provision for loan and lease losses $ 6.43 million
Total non interest income $ 3.36 million
Total non interest expense $ 21.48 million
Pre-tax Net Operating Income $ 9.84 million

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Branches

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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.

  • 1
    LOCAL CD
    Orange Bank &Trust Company
    Bank
    NEW YORK
    $50,000
    6 Month
    0.25%
    0.89x (National Avg. - 0.28%)
    $10,000
    -
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 2
    LOCAL CD
    Bask Bank, a division of Texas Capital Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    6 Month
    4.00%
    14.23x (National Avg. - 0.28%)
    $0
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689
  • 3
    ONLINE CD
    Discover Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    12 Month
    4.00%
    9.39x (National Avg. - 0.43%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689
  • 4
    LOCAL CD
    Gateway First Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    6 Month
    4.09%
    14.56x (National Avg. - 0.28%)
    $25,000
    -
    SCENARIO
    Year Rate
    4.09%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,045 1,432
    2 52,045 2,129 1,490
    3 54,174 2,216 1,551
    4 56,389 2,306 1,614
    5 58,696 2,401 1,680
    6 61,096 2,499 1,749
    7 63,595 2,601 1,821
    8 66,196 2,707 1,895
    9 68,904 2,818 1,973
    10 71,722 2,933 2,053
    11 74,655 3,053 2,137
    12 77,709 3,178 2,225
    13 80,887 3,308 2,316
    14 84,195 3,444 2,411
    15 87,639 3,584 2,509
    16 91,223 3,731 2,612
    17 94,954 3,884 2,719
    18 98,838 4,042 2,830
    19 102,880 4,208 2,945
    20 107,088 4,380 3,066
    TOTAL $61,468 $43,028
  • 5
    LOCAL CD
    Bask Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    12 Month
    4.10%
    9.62x (National Avg. - 0.43%)
    $0
    -
    SCENARIO
    Year Rate
    4.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,050 1,435
    2 52,050 2,134 1,494
    3 54,184 2,222 1,555
    4 56,406 2,313 1,619
    5 58,718 2,407 1,685
    6 61,126 2,506 1,754
    7 63,632 2,609 1,826
    8 66,241 2,716 1,901
    9 68,957 2,827 1,979
    10 71,784 2,943 2,060
    11 74,727 3,064 2,145
    12 77,791 3,189 2,233
    13 80,980 3,320 2,324
    14 84,300 3,456 2,419
    15 87,757 3,598 2,519
    16 91,355 3,746 2,622
    17 95,100 3,899 2,729
    18 98,999 4,059 2,841
    19 103,058 4,225 2,958
    20 107,284 4,399 3,079
    TOTAL $61,682 $43,178
  • 6
    ONLINE CD
    Gateway First Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    12 Month
    4.19%
    9.84x (National Avg. - 0.43%)
    $500
    -
    SCENARIO
    Year Rate
    4.19%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,095 1,467
    2 52,095 2,183 1,528
    3 54,278 2,274 1,592
    4 56,552 2,370 1,659
    5 58,922 2,469 1,728
    6 61,390 2,572 1,801
    7 63,963 2,680 1,876
    8 66,643 2,792 1,955
    9 69,435 2,909 2,037
    10 72,344 3,031 2,122
    11 75,376 3,158 2,211
    12 78,534 3,291 2,303
    13 81,824 3,428 2,400
    14 85,253 3,572 2,500
    15 88,825 3,722 2,605
    16 92,547 3,878 2,714
    17 96,424 4,040 2,828
    18 100,465 4,209 2,947
    19 104,674 4,386 3,070
    20 109,060 4,570 3,199
    TOTAL $63,629 $44,541
  • 7
    LOCAL CD
    Gateway First Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    12 Month
    4.29%
    10.07x (National Avg. - 0.43%)
    $25,000
    -
    SCENARIO
    Year Rate
    4.29%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,145 1,502
    2 52,145 2,237 1,566
    3 54,382 2,333 1,633
    4 56,715 2,433 1,703
    5 59,148 2,537 1,776
    6 61,686 2,646 1,852
    7 64,332 2,760 1,932
    8 67,092 2,878 2,015
    9 69,970 3,002 2,101
    10 72,972 3,130 2,191
    11 76,102 3,265 2,285
    12 79,367 3,405 2,383
    13 82,772 3,551 2,486
    14 86,323 3,703 2,592
    15 90,026 3,862 2,703
    16 93,888 4,028 2,819
    17 97,916 4,201 2,940
    18 102,116 4,381 3,067
    19 106,497 4,569 3,198
    20 111,066 4,765 3,335
    TOTAL $65,831 $46,081
  • 8
    LOCAL CD
    North American Savings Bank, F.S.B. , ★ TOP PICK ★
    Bank
    -
    $50,000
    12 Month
    4.29%
    10.07x (National Avg. - 0.43%)
    $5,000
    -
    SCENARIO
    Year Rate
    4.29%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,145 1,502
    2 52,145 2,237 1,566
    3 54,382 2,333 1,633
    4 56,715 2,433 1,703
    5 59,148 2,537 1,776
    6 61,686 2,646 1,852
    7 64,332 2,760 1,932
    8 67,092 2,878 2,015
    9 69,970 3,002 2,101
    10 72,972 3,130 2,191
    11 76,102 3,265 2,285
    12 79,367 3,405 2,383
    13 82,772 3,551 2,486
    14 86,323 3,703 2,592
    15 90,026 3,862 2,703
    16 93,888 4,028 2,819
    17 97,916 4,201 2,940
    18 102,116 4,381 3,067
    19 106,497 4,569 3,198
    20 111,066 4,765 3,335
    TOTAL $65,831 $46,081
  • 9
    LOCAL CD
    M.Y. Safra Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    12 Month
    4.41%
    10.35x (National Avg. - 0.43%)
    $500
    -
    SCENARIO
    Year Rate
    4.41%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,205 1,544
    2 52,205 2,302 1,612
    3 54,507 2,404 1,683
    4 56,911 2,510 1,757
    5 59,421 2,620 1,834
    6 62,041 2,736 1,915
    7 64,777 2,857 2,000
    8 67,634 2,983 2,088
    9 70,617 3,114 2,180
    10 73,731 3,252 2,276
    11 76,982 3,395 2,376
    12 80,377 3,545 2,481
    13 83,922 3,701 2,591
    14 87,623 3,864 2,705
    15 91,487 4,035 2,824
    16 95,522 4,213 2,949
    17 99,734 4,398 3,079
    18 104,132 4,592 3,215
    19 108,725 4,795 3,356
    20 113,519 5,006 3,504
    TOTAL $68,526 $47,968
  • 10
    LOCAL CD
    M.Y. Safra Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    36 Month
    4.48%
    6.95x (National Avg. - 0.65%)
    $500
    -
    SCENARIO
    Year Rate
    4.48%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,240 1,568
    2 52,240 2,340 1,638
    3 54,580 2,445 1,712
    4 57,026 2,555 1,788
    5 59,580 2,669 1,868
    6 62,249 2,789 1,952
    7 65,038 2,914 2,040
    8 67,952 3,044 2,131
    9 70,996 3,181 2,226
    10 74,177 3,323 2,326
    11 77,500 3,472 2,430
    12 80,972 3,628 2,539
    13 84,600 3,790 2,653
    14 88,390 3,960 2,772
    15 92,349 4,137 2,896
    16 96,487 4,323 3,026
    17 100,809 4,516 3,161
    18 105,326 4,719 3,303
    19 110,044 4,930 3,451
    20 114,974 5,151 3,606
    TOTAL $70,125 $49,087
  • 11
    LOCAL CD
    M.Y. Safra Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    60 Month
    4.51%
    5.60x (National Avg. - 0.81%)
    $500
    -
    SCENARIO
    Year Rate
    4.51%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,255 1,579
    2 52,255 2,357 1,650
    3 54,612 2,463 1,724
    4 57,075 2,574 1,802
    5 59,649 2,690 1,883
    6 62,339 2,811 1,968
    7 65,150 2,938 2,057
    8 68,089 3,071 2,150
    9 71,159 3,209 2,247
    10 74,369 3,354 2,348
    11 77,723 3,505 2,454
    12 81,228 3,663 2,564
    13 84,891 3,829 2,680
    14 88,720 4,001 2,801
    15 92,721 4,182 2,927
    16 96,903 4,370 3,059
    17 101,273 4,567 3,197
    18 105,841 4,773 3,341
    19 110,614 4,989 3,492
    20 115,603 5,214 3,650
    TOTAL $70,817 $49,572


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