Orange Bank & Trust Company
Orange Bank & Trust Company is an FDIC insured institution headquartered at
212 Dolson Ave, Middletown, NY 10940.
Deposit Rates -
June 30, 2025
SAVINGS RATES
APY
MIN
Savings
0.08% $2,500
Compare
MM RATES
APY
MIN
Money Market
0.03% $2,500
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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 30, 2025
MORTGAGE PURCHASE
APR(%)
MONTHLY PAYMENT
10 Year Fixed Conforming
6.15%
$3,536.13
15 Year Fixed Conforming
6.27%
$2,724.78
20 Year Fixed Conforming
6.51%
$2,364.78
MORTGAGE REFINANCE
APR(%)
MONTHLY PAYMENT
10 Year Fixed Conforming
6.15%
$3,536.13
15 Year Fixed Conforming
6.27%
$2,724.78
20 Year Fixed Conforming
6.51%
$2,364.78
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
Customer Reviews for Orange Bank & Trust Company
Branches
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Orange Bank & Trust Company Locations
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