Orange Bank & Trust Co.
Middletown, New York · $2.79B in assets · beside the 11 other New York banks between $1B and $3B
The filing
Orange Bank & Trust Co. is the fourth largest of the 12 New York banks nearest its size between $1B and $3B, with $2.79B in assets at 30 June 2026. Loans are 80.7% of deposits, 4th of 11 against a median of 94.1%, and equity is 11.1% of assets, 7th of 11. Loans grew +2.9% in the year, 8th of 12, and deposits grew 7.0%; the cohort's median loan growth is +11.1%.
Noncurrent loans are 1.12% of the book, 8th of 12 against a median of 0.65%; 0.02% is 30 to 89 days past due, and the allowance covers them 1.2 times. Commercial real estate is 68.9% of loans, 11th of 12 against a median of 39.5%, and 353% of capital, above the 300% screen, with construction at 30% against the 100% screen.
Return on assets is 1.87%, 2nd of 11 against a median of 1.04%, on an efficiency ratio of 54.6%, 3rd of 11. Five years ago it was 1.04%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 10.2% of loans).
Commercial real estate against capital
| Orange Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 353% | 9th of 11 | 241% |
| Construction against capital, the 100% screen | 30% | 9th of 11 | 4% |
| Construction and land development, share of loans | 6.0% | 10th of 12 | 0.8% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 39.2% | 10th of 11 | 29.0% |
| Total CRE, the guidance definition, share of loans | 68.9% | 11th of 12 | 39.5% |
| CRE growth over 36 months, the third prong | +25.8% | 5th of 10 | +30.2% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $2.86B | 0.7% | 70.7% | 4.20% | 0.00% | 0.8% | 122.9% | 17.4% | |
| $2.84B | 1.0% | 55.9% | 0.73% | 0.00% | 1.3% | 79.1% | 8.9% | |
| $2.82B | 1.4% | 58.1% | 0.38% | 0.01% | 1.1% | 99.9% | 10.8% | |
| $2.79B | 1.9% | 54.6% | 1.12% | 0.05% | 1.3% | 80.7% | 11.1% | |
| $2.68B | 1.2% | 53.8% | 2.36% | 0.00% | 0.6% | 70.0% | 10.1% | |
| $2.49B | 2.3% | 45.3% | 0.27% | 0.52% | 1.3% | 86.5% | 11.2% | |
| $2.43B | no record | no record | 0.00% | no record | no record | no record | no record | |
| $2.34B | 0.7% | 76.9% | 0.48% | 0.16% | 1.5% | 94.5% | 12.2% | |
| $2.33B | 0.7% | 72.1% | 1.42% | 0.06% | 1.0% | 99.4% | 10.1% | |
| $2.23B | 0.6% | 74.5% | 0.57% | -0.01% | 0.7% | 94.1% | 11.6% | |
| $2.21B | 1.1% | 59.3% | 1.22% | 0.00% | 0.9% | 140.1% | 34.9% | |
| $2.14B | 1.0% | 93.1% | 0.00% | 0.00% | 0.4% | 23.0% | 14.9% |
| Orange Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $1.29B | $1.97B | +53% | $1.29B | $1.91B | +48% |
| Deposits | $1.88B | $2.45B | +30% | $1.61B | $2.11B | +31% |
| NPA / loans | 0.19% | 1.12% | +0.93 pts | 0.69% | 0.65% | -0.04 pts |
| Efficiency | 57.4% | 54.6% | -2.8 pts | 66.0% | 59.3% | -6.8 pts |
| ROA | 1.04% | 1.87% | +0.82 pts | 0.54% | 1.04% | +0.50 pts |
This read was prepared for Orange Bank & Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Orange Bank & Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort NY banks $1B to $3B
Institution www.orangebanktrust.com
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