BlastPoint

BlastPoint's Banking Scorecard

Orange Bank & Trust Company

$1B-$10B Specialty: Commercial NY FDIC cert 12944

Designations: ✓ Community bank

Middletown, NY

16 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
  • Deposits +7.0% year over year ($2.4B on the books).
  • Delinquency rate 1.14%.
  • Return on assets 1.88%.
  • Efficiency ratio 54.58% vs a 59.73% peer average.
  • Loan-to-deposit ratio 79.62% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY
View $1B-$10B leaderboard (NY) →

Orange Bank & Trust Company has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 38.7% in tier
  • + Deposit Franchise: Top 61.2% in tier
  • + Efficiency Ratio 5.14% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 39.8% in tier
  • - Non-Interest Income / Assets 0.52% below tier average
Get updates when Orange Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $2.8B
+7.5% YoY +3.5% QoQ
-$1.0M $2.8B
-0.6% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
66%
Total Loans ? $1.9B
+3.1% YoY +1.2% QoQ
-$15.7M $2.0B
-0.3% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
66%
Total Deposits ? $2.4B
+7.0% YoY +3.5% QoQ
+$127.2M $2.3B
-0.5% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
69%
Return on Assets ? 1.88%
+23.8% YoY +8.1% QoQ
+0.49% 1.39%
+17.0% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
85%
Net Interest Margin ? 4.46%
+9.4% YoY -0.4% QoQ
+0.59% 3.87%
+6.2% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
Top 13.6% in tier
Efficiency Ratio ? 54.58%
+6.7% YoY +4.0% QoQ
-5.14% 59.73%
-12.6% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
64%
Delinquency Rate ? 1.14%
+83.4% YoY -16.1% QoQ
+0.27% 0.87%
+11.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
24%
Loan-to-Deposit Ratio ? 79.62%
-3.7% YoY -2.2% QoQ
-5.42% 85.04%
-0.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
68%
Non-Interest-Bearing Deposit Share ? 33.06%
+8.6% YoY +5.4% QoQ
+11.79% 21.27%
-1.5% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
Top 10.4% in tier
Nonperforming Asset Ratio ? 0.79%
+75.9% YoY -17.9% QoQ
+0.12% 0.67%
+11.7% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 17.95%
+9.8% YoY +1.7% QoQ
+3.11% 14.84%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 11.6% in tier
Non-Interest Income / Assets ? 0.01%
-98.4% YoY -94.2% QoQ
-0.52% 0.53%
+2.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
Bottom 1.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 33.1%
+2.6pp YoY
+1.7pp QoQ
 +11.7pp 21.4% 22.1% 22.2% 89%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 10.4%
-0.7pp YoY
+0.5pp QoQ
 -3.6pp 14.0% 11.0% 12.5% 46%
CRE 80.1%
+0.9pp YoY
+0.3pp QoQ
 +30.1pp 50.0% 46.2% 41.4% 95%
1-4 Family 7.0%
-0.3pp YoY
-0.5pp QoQ
 -19.4pp 26.4% 36.6% 31.3% 10%
Consumer 1.9%
+0.1pp YoY
-0.2pp QoQ
 -2.9pp 4.7% 5.1% 5.0% 61%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 17.9%
+1.6pp YoY
+0.3pp QoQ
 +2.4pp 15.6% 26.1% 19.7% 87%
Leverage Ratio 13.2%
+0.7pp YoY
+0.4pp QoQ
 +1.8pp 11.3% 13.9% 12.6% 86%
Total Capital Ratio 19.2%
+1.6pp YoY
+0.3pp QoQ
 +2.5pp 16.7% 27.2% 20.8% 87%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 233
+23 (+11.0%) YoY
+18 (+8.4%) QoQ
 -81 313 914 482 49%
Assets per Employee ($) $12.0M
-3.1% YoY
-4.5% QoQ
 +$1.5M $10.5M $14.8M $8.8M 78%
Branch Count 16
+1 (+6.7%) YoY
0 QoQ
 -4 20 27 18 53%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.2pp QoQ
 0.0pp 0.2% 0.1% 0.4% 86%
Nonaccrual 1.0%
+0.3pp YoY
-0.4pp QoQ
 +0.1pp 0.8% 1.3% 1.0% 73%
Allowance Coverage 1.19x
-51.0% YoY
+11.4% QoQ
 -17.52x 18.71x 1.92x 20.23x 30%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 55%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 17.0%
-0.5pp YoY
+1.2pp QoQ
 +4.4pp 12.6% 7.9% 11.6% 83%
Cost of Funds (YTD) 0.9%
-0.4pp YoY
0.0pp QoQ
 -1.0pp 1.9% 1.8% 1.7% 4%
Net Income ($, YTD) $25.6M
+31.8% YoY
— QoQ
 +$6.3M $19.2M $111.2M $40.4M 78%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#87 of 222 • Top 38.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.88%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#50 of 80 • Top 61.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 33.06%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.46%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Risk Growth

risk
#161 of 402 • Bottom 39.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

93
Non-Interest-Bearing Deposit Share
funding
Value: 33.06%
Peer Median: 21.27%
#93 of 885 Top 10.4% in $1B-$10B
104
Tier 1 Capital Ratio
capital
Value: 17.95%
Peer Median: 14.84%
#104 of 885 Top 11.6% in $1B-$10B
121
Net Interest Margin
profitability
Value: 4.46%
Peer Median: 3.87%
#121 of 885 Top 13.6% in $1B-$10B
138
Return on Assets
profitability
Value: 1.88%
Peer Median: 1.39%
#138 of 885 Top 15.5% in $1B-$10B

Top Weaknesses (2 metrics)

877
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.53%
#877 of 885 Bottom 1.0% in $1B-$10B
672
Delinquency Rate
credit_quality
Value: 1.14%
Peer Median: 0.87%
#672 of 882 Bottom 23.9% in $1B-$10B
Powered by BlastPoint © 2026