BlastPoint's Banking Scorecard
Orange Bank & Trust Company
Community
Specialty: Commercial
NY
FDIC cert 12944
Middletown, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Orange Bank & Trust Company has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 29% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 43% in Community
- - Liquidity Overhang: Bottom 45% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+6.0% YoY
+0.9% QoQ
|
+$1.3B |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$1.9B
+7.4% YoY
+0.8% QoQ
|
+$946.5M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$2.3B
+7.7% YoY
+1.4% QoQ
|
+$1.2B |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
1.67%
+38.7% YoY
+8.3% QoQ
|
+0.51% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
4.30%
+9.4% YoY
+2.5% QoQ
|
+0.64% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
49.96%
-10.2% YoY
+0.8% QoQ
|
-12.67% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
0.58%
+64.6% YoY
-9.3% QoQ
|
-0.05% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
82.67%
-0.3% YoY
-0.6% QoQ
|
-0.39% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
31.83%
+4.6% YoY
+0.6% QoQ
|
+10.79% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.42%
+66.8% YoY
-9.3% QoQ
|
-0.08% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
17.33%
+22.7% YoY
+3.3% QoQ
|
+7.09% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.59%
+66.7% YoY
+18.3% QoQ
|
-0.15% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#109 of 371 · Top 29% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.67%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (2)
Credit Risk Growth
risk
#278 of 642 · Bottom 43% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Liquidity Overhang
risk
#120 of 268 · Bottom 45% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.33%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
82.67%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
87
87th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.83% · Tier avg: 21.05%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.33% · Tier avg: 10.24%
84
84th pctile
Efficiency Ratio
Current: 49.96% · Tier avg: 62.63%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.16%
81
81th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.66%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.67% · Tier avg: 83.06%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
Top Weaknesses
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.63%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.50%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.67% · Tier avg: 83.06%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
81
81th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.66%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.16%
84
84th pctile
Efficiency Ratio
Current: 49.96% · Tier avg: 62.63%
87
87th pctile
Tier 1 Capital Ratio
Current: 17.33% · Tier avg: 10.24%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.83% · Tier avg: 21.05%
87
87th pctile
Total Assets
Current: $2.7B · Tier avg: $1.4B
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
89
89th pctile
Total Deposits
Current: $2.3B · Tier avg: $1.2B