Bank · FDIC insured
Orange Bank & Trust
A $2.8B bank headquartered in Middletown, NY, with 16 branches in New York. Best rates: CDs 1.51% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs611.51%for 3–8 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Orange Bank & Trust
Orange Bank & Trust Company was founded in 1892 and focuses on commercial lending, business banking, and wealth management services.
Headquartered in Middletown, New York, the bank operates sixteen offices across Orange, Rockland, Westchester, and the Bronx.
Orange Bank & Trust Company operates as a subsidiary of parent company Orange County Bancorp, Inc.
- Headquarters
- 212 Dolson Ave, Middletown, NY 10940
- FDIC certificate
- 12944 ↗
Branches
16 branches in New York
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New York
16 branches
New York area · 10
- Bronx Branch1978 Williamsbridge Rd, Bronx, NY 10461Directions
- Tremont Branch3485 E Tremont Ave, Bronx, NY 10465Directions
- Cortlandt Manor Branch2141 Crompond Rd, Cortlandt Manor, NY 10567Directions
- Mamaroneck Branch1214 E Boston Post Rd, Mamaroneck, NY 10543Directions
- Mt. Vernon Branch510 S Columbus Ave, Mount Vernon, NY 10550Directions
- Nanuet Branch374 S Middletown Rd, Nanuet, NY 10954Directions
- New City Branch254 S Main St, New City, NY 10956Directions
- Mt. Pleasant Branch859 Franklin Ave, Thornwood, NY 10594Directions
- White Plains Branch42 Waller Ave, White Plains, NY 10601Directions
- Yonkers Branch1969 Central Park Ave, Yonkers, NY 10710Directions
Kiryas Joel area · 6
- Orange Bank & Trust CompanyMain office212 Dolson Ave, Middletown, NY 10940Directions
- Chester Branch91 Brookside Ave, Chester, NY 10918Directions
- Goshen Branch Main54 W Main St, Goshen, NY 10924Directions
- Dunning Road Branch715 Route 211 E, Middletown, NY 10941Directions
- Montgomery Branch2093 Rt 208, Montgomery, NY 12549Directions
- Newburgh Branch78 N Plank Rd, Newburgh, NY 12550Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.15% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.12% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.88% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $81 | $88 | — |
- CapitalLeverage ratio13.15%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.12%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.88%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$81Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Orange Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.