Orange Bank & Trust Company Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Orange Bank & Trust Company's 6-Month 6-Month CD rates are at 1.51%, 36-Month 36-Month CD rates are at 0.70%, 24-Month 24-Month CD rates are at 0.60%, 12-Month 12-Month CD rates are at 0.55%. You can compare Orange Bank & Trust Company rates to other rates in our database, including 12-month CD rates currently at 3.50%, 6-month CD rates at 3.58% and 3-month CD rates at 1.41%. Savings rates are at 0.75% and money market rates are at 0.45%. Mortgage rates on 30-year fixed loans are around 5.99%. All these rates, and more, can be found in our database of rates which you can compare to Orange Bank & Trust Company rates.
Rate Updates and AvailabilityOrange Bank & Trust Company money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Orange Bank & Trust Company? Share your experience about Orange Bank & Trust Company by leaving a review below, or read customer reviews before you decide to use Orange Bank & Trust Company. Orange Bank & Trust Company Texas RatioOrange Bank & Trust Company's Texas Ratio is at 7.92%, which is considered excellent. The Texas Ratio for Orange Bank & Trust Company is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Orange Bank & Trust Company has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, Orange Bank & Trust Company is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
Orange Bank & Trust Company CD Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Orange Bank & Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Orange Bank & Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Orange Bank & Trust Company's official website for the most current offers and terms.
Bank Profile & OverviewOrange Bank & Trust Company
212 Dolson AveMiddletown, NY 10940 Orange Established Date: 05/02/1892 FDIC Certificate #: 12944 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: ORANGE COUNTY BCORP INC How Many Domestic U.S. Offices? 16 How Many Branches are There? 16 Website: https://www.orangebanktrust.com
Is Orange Bank & Trust Company FDIC Insured? Yes
What is Orange Bank & Trust Company's Cert number? 12944
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$2,443,138,000
Total Deposits:
$2,153,147,000
Equity Capital:
$177,086,000
Net Income:
$9,522,000
Return on Assets (ROA):
1.2199%
Return on Equity (ROE):
19.2500%
Headquarters:
Middletown
Regulator:
FED
# of Offices:
16
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for Orange Bank & Trust Company yet. Feel free to create one below.
Add Your Rating and Review for Orange Bank & Trust Company
Frequently Asked Questions About Orange Bank & Trust CompanyHow do I open an account at Orange Bank & Trust Company?You can typically open an account at Orange Bank & Trust Company by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Orange Bank & Trust Company provides a range of mortgage and home equity products. Is Orange Bank & Trust Company a safe place to deposit money?Yes, Orange Bank & Trust Company is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Orange Bank & Trust Company offer online and mobile banking?Most modern institutions like Orange Bank & Trust Company provide digital access including online balance checks and transfers. Compare to other Banks |
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