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519 North Magnolia
Orlando, FL 32801

Orange Bank of Florida is headquartered in Orlando and is the 119st largest bank in the state of Florida. It is also the 2,984th largest bank in the nation. It was established in 2005 and as of December of 2013, it had grown to 45 employees at 5 locations. Orange Bank of Florida has a B+ health rating.

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Reviews (1)


As an individual customer of Orange Bank for over 2 years, and having experienced personal banking in central Florida for 4 decades, I gladly give Orange Bank a top 5 star rating in any and all aspects of their banking service.

Our location Branch Manager, J.R., is exceptionally gifted in customer service. And, we have yet to experience a Teller at any branch who was not efficient and friendly.


David and Patricia Riggs


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Orange Bank of Florida had $3.07 million in non-current loans and owned real-estate with $27.31 million in equity and loan loss allowances on hand to cover it. This gives Orange Bank of Florida a Texas Ratio of 11.24% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Orange Bank of Florida decreased dramatically from 27.65% as of December 31, 2012 to 11.24% as of December 31, 2013, resulting in a positive change of 59.36%.This indicates that the balance sheet and financial strength for Orange Bank of Florida has improved dramatically in recent periods.

Deposit Growth


In the past year, Orange Bank of Florida has decreased its total deposits by -$41.42 million, resulting in -19.5% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Orange Bank of Florida has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Orange Bank of Florida has $205.58 million in assets with $27.31 million in equity, resulting in a capitalization level of 13.28%, which is excellent.

Institution Statistics

FDIC Certificate #57960
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$205.58 million
Loans$156.45 million
Deposits$170.95 million
Equity Capital$23.07 million
Loan Loss Allowance$4.24 million
Unbacked Noncurrent Loans$2.64 million
Real Estate Owned$433,000
Historic Data - December 2012
Assets$240.82 million
Equity Capital$23.20 million
Loan Loss Allowance$5.75 million
Unbacked Noncurrent Loans$2.64 million
Real Estate Owned$1.00 million
Profit Margin - Quarterly
Net Interest Margin3.75%
Return on Assets0.36%
Return on Equity3.45%
Interest Income$8.31 million

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Orange Bank of Florida Locations
Lake Mary Branch175 Timacuan BoulevardLake Mary, FL 32746
Clermont Office Branch2390 E. Hwy. 50Clermont, FL 34711
Longwood Branch2695 State Road 434Longwood, FL 32779
Orange Bank Of Florida519 North MagnoliaOrlando, FL 32801
Winter Park Office Branch925 S. Orlando AvenueWinter Park, FL 32789