Orange Bank & Trust Company: how it compares with its peers
Against 27 NY banks with half to twice its assets, Orange Bank & Trust Company's strongest measure in Q2 2026 is net interest margin (4.46% vs. a 3.30% peer median). Its weakest relative measure is assets per employee ($12.0M vs. $10.3M).
| Measure | Orange Bank & Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.88% | 1.04% | Top third Ahead of 85% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.46% | 3.30% | Top third Ahead of 93% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.58% | 59.29% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.0M | $10.3M | Middle third Ahead of 56% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.62% | 85.75% | Context |
What it means for lending operations
Its efficiency ratio of 54.58% is better than the 59.29% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Chemung Canal Trust Company, National Association Elmira, NY · $2.82B
- Habib American Bank New York, NY · $2.84B
- Industrial and Commercial Bank of China USA, National Association New York, NY · $2.86B
- Interaudi Bank New York, NY · $2.68B
- Esquire Bank, National Association Jericho, NY · $2.49B
Questions about Orange Bank & Trust Company
How big is Orange Bank & Trust Company?
Orange Bank & Trust Company, established in 1892, is headquartered in Middletown, NY. It reported $2.79B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is Orange Bank & Trust Company's return on assets?
1.88% annualized in Q2 2026, against a 1.04% median for 27 NY banks with half to twice its assets, ahead of 85% of them.
What is Orange Bank & Trust Company's efficiency ratio?
54.58% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 59.29%, and lower is better.
Is Orange Bank & Trust Company growing its loans?
Net loans grew 3.1% over the year to Q2 2026, while deposits grew 7.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every New York bank ranked.