Orange Bank&Trust Co (FDIC #12944): Bank Stress & Real-Estate Credit Exposure
Orange Bank&Trust Co (FDIC Cert #12944): bank stress 49/100, moderate, STABLE over 7 days; parent ORANGE COUNTY BCORP INC.
Orange Bank&Trust Co (#12944) lends in 4 counties across 1 state; Orange Bank&Trust Co (#12944) reaches 180 ZIP codes: New York 4 counties, 180 ZIPs.
Orange Bank&Trust Co (#12944) largest markets: Westchester County, NY (468 branches, 78 ZIPs) (#12944), Orange County, NY (312 branches, 52 ZIPs) (#12944), Bronx County, NY (56 branches, 28 ZIPs) (#12944), Rockland County, NY (52 branches, 26 ZIPs) (#12944).
Orange Bank&Trust Co (#12944) reports $2.79 billion in total assets; Orange Bank&Trust Co (#12944) equity $311.1 million (11.1% of Orange Bank&Trust Co (#12944) assets); Orange Bank&Trust Co (#12944) domestic deposits $2.45 billion; Orange Bank&Trust Co (#12944) net income $25.6 million; Orange Bank&Trust Co (#12944) return on assets 1.88%; Orange Bank&Trust Co (#12944) return on equity 17.03%; Orange Bank&Trust Co (#12944) net interest income $57.2 million; Orange Bank&Trust Co (#12944) call report June 30, 2026.
Orange Bank&Trust Co (#12944) noncurrent real-estate loans 0.06% of its book; Orange Bank&Trust Co (#12944) multifamily 0.18%; Orange Bank&Trust Co (#12944) residential 0.03%; Orange Bank&Trust Co (#12944) net charge-offs on real estate 1.29%; Orange Bank&Trust Co (#12944) multifamily charge-offs 1.19%; Orange Bank&Trust Co (#12944) residential charge-offs 1.60%.
Orange Bank&Trust Co (#12944) net interest margin 4.46% against an eight-quarter Orange Bank&Trust Co (#12944) average of 4.17% (Orange Bank&Trust Co (#12944) compression -0.29 points); Orange Bank&Trust Co (#12944) real-estate loans 6.4% of equity; Orange Bank&Trust Co (#12944) non-residential real estate 159.9% of equity; Orange Bank&Trust Co (#12944) rate-exposure score 40/100, Orange Bank&Trust Co (#12944) fixed-rate trap 40/100; Orange Bank&Trust Co (#12944) risk type credit driven; Orange Bank&Trust Co (#12944) rate regime rates elevated, Orange Bank&Trust Co (#12944) snapshot October 19, 2026.
Orange Bank&Trust Co (#12944) stress score moved from 50.6 on June 22, 2026 to 48.9 on October 19, 2026; Orange Bank&Trust Co (#12944) ranged 48.9 to 50.6 over 116 snapshots.
Orange Bank&Trust Co (#12944) alerts: 4 counties; top Orange Bank&Trust Co (#12944) alert scores: Bronx County, NY 42 (moderate); Newburgh County, NY 20 (low); New City County, NY 20 (low); Yonkers County, NY 20 (low).