Total Assets
$2.7B
Total balance-sheet footings
FDIC Cert #12944 · Middletown, New York · Est. 1892
Orange Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Orange Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.7B
- Total assets
- A
- Health grade · Excellent
- 1.67%
- Return on assets
- 17.3%
- Tier 1 capital
Data updated July 2026
The verdict
Orange Bank & Trust Company earns a PlainBankData health grade of A (100/100), with well-capitalized at 17.33% Tier 1, profitable at 1.67% ROA, efficient (50% cost ratio).
- #480
- largest of 4,313 FDIC banks by assets
- 89th
- percentile by asset size, nationally
- 17.33%
- Tier 1 ratio - above the 10% well-capitalized line
- 82nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Orange Bank & Trust Company's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Orange Bank & Trust Company's composite health score
Tier 1 Capital Ratio (17.33%) 40/40
Return on Assets (ROA) (1.67%) 25/25
Texas Ratio (3.47%) 20/20
Efficiency Ratio (49.96%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.3B
Customer-funded liabilities
Net Loans
$1.9B
Outstanding loan book
Net Income
$43M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Orange Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Orange Bank & Trust Company's score of 100/100 falls in the highlighted band.
Orange Bank & Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Orange Bank & Trust Company's $2.7B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.33% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.33%
Texas Ratio
3.47%
Equity Capital
$292M
Profitability metrics
Return on Assets (ROA)
82nd percentile nationally
1.67%
Return on Equity (ROE)
17.53%
Efficiency Ratio
49.96%
What the numbers say about Orange Bank & Trust Company
Orange Bank & Trust Company is an FDIC-insured institution (Certificate #12944) headquartered in Middletown, New York, established in 1892. It holds $2.7B in total assets - 480th of 4,313 FDIC-insured banks, $2.3B in customer deposits, and $1.9B in net loans. Its capital position: a Tier 1 ratio of 17.33%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.47% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Orange Bank & Trust Company sits 38th of 120 banks headquartered in New York by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$135M
Interest Income
$16M
Non-Interest Income
$61M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Orange Bank & Trust Company reports a Texas Ratio of 3.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Orange Bank & Trust Company (FDIC Cert #12944) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is Orange Bank & Trust Company's health grade?▼
Orange Bank & Trust Company receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Orange Bank & Trust Company?▼
Orange Bank & Trust Company holds $2.7B in total assets and $2.3B in deposits, ranking 480th of 4,313 FDIC-insured banks by asset size. It is headquartered in Middletown, New York.
Is my money safe at Orange Bank & Trust Company?▼
Yes, deposits at Orange Bank & Trust Company (Certificate #12944) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Orange Bank & Trust Company's Tier 1 Capital Ratio?▼
Orange Bank & Trust Company has a Tier 1 Capital Ratio of 17.33%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Orange Bank & Trust Company?▼
Orange Bank & Trust Company has a Texas Ratio of 3.47%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Orange Bank & Trust Company?▼
Orange Bank & Trust Company has an Efficiency Ratio of 49.96%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Orange Bank & Trust Company's profile as a depositor or analyst.
- Orange Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Orange Bank & Trust Company against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.