BlastPoint's Banking Scorecard
Orange Bank & Trust Company
Designations: ✓ Community bank
Middletown, NY
16 branches across NY
Orange Bank & Trust Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 46.6% in tier
- + Deposit Franchise: Top 60.5% in tier
- + Efficiency Ratio 8.56% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 49.4% in tier
- - Delinquency Rate 0.46% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+5.7% YoY
+1.8% QoQ
|
-$118.2M |
$2.8B
-0.1% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
65% |
| Total Loans ? |
$1.9B
+5.3% YoY
+0.1% QoQ
|
-$40.7M |
$2.0B
+0.6% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
66% |
| Total Deposits ? |
$2.4B
+3.4% YoY
+1.7% QoQ
|
+$20.5M |
$2.3B
-0.3% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
1.74%
+25.2% YoY
+4.5% QoQ
|
+0.38% |
1.37%
+19.6% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
82% |
| Net Interest Margin ? |
4.47%
+12.4% YoY
+3.9% QoQ
|
+0.66% |
3.82%
+6.9% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Top 12.4% in tier |
| Efficiency Ratio ? |
52.50%
-6.0% YoY
+5.1% QoQ
|
-8.56% |
61.06%
-4.6% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
71% |
| Delinquency Rate ? |
1.35%
+298.9% YoY
+133.9% QoQ
|
+0.46% |
0.89%
+14.1% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
81.40%
+1.8% YoY
-1.5% QoQ
|
-2.81% |
84.20%
+0.3% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
31.37%
+8.8% YoY
-1.5% QoQ
|
+10.08% |
21.29%
-2.5% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
Top 13.3% in tier |
| Nonperforming Asset Ratio ? |
0.97%
+297.1% YoY
+130.1% QoQ
|
+0.29% |
0.67%
+15.6% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
17.66%
+24.7% YoY
+1.9% QoQ
|
+2.50% |
15.16%
+2.0% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
Top 12.9% in tier |
| Non-Interest Income / Assets ? |
0.09%
-4.3% YoY
-84.3% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
29% |
Get Full Access to Orange Bank & Trust Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.