B
Orange Bank & Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Orange Bank & Trust Company
Middletown, NY
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Rating B
Asset Quality Index 5.70
Capitalization Index 10.00
Liquidity Index 2.10
Profitability Index 7.60
Stability Index 5.70
Company Info Orange Bank & Trust Company
Middletown, NY
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FDIC Number 12944
Phone Number (845) 341-5050
Website www.orangebanktrust.com
Asset Quality Orange Bank & Trust Company
Middletown, NY
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1-Year Asset Growth 4.70%
5-Year Asset Growth 21.03%
5-Year Charge-Offs to Average Loans 0.23%
Charge-Offs to Average Loans 0.22%
Non-Performing Assets to Assets 0.84%
Non-Performing Loans to Capital 4.79%
Non-Performing Loans to Loans 1.15%
Balance Sheet Orange Bank & Trust Company
Middletown, NY
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Total Assets 2.63B
Total Deposits 2.29B
Capital and Reserves Orange Bank & Trust Company
Middletown, NY
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Capital 276.33M
Leverage Ratio 12.31
Loan Loss Reserves to Loans 1.51%
Risk-Based Capital Ratio 18.02
Liquidity Orange Bank & Trust Company
Middletown, NY
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Hot Money Ratio 0.93%
Liquidity Ratio 12.41%
Profitability Orange Bank & Trust Company
Middletown, NY
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5-Year Return on Average Assets 1.07%
Net Income 29.70M
Net Interest Spread 4.05%
Operating Profit to Average Assets 1.96%
Overhead Efficiency Ratio 49.57%
Return on Assets 1.51%
Return on Equity 16.88%