Orange County Trust Company

Orange County Trust Company is headquartered in Middletown and is the 66^th largest bank in the state of New York. It is also the 999^th largest bank in the nation. It was established in 1892 and as of March of 2012, it had grown to 113 employees at 9 locations. Orange County Trust Company has a 5-star health rating.

Orange County Trust Company CD Rates

Data for Q1 2012

Institution Statistics Orange County Trust Company FDIC Certificate # 12944 BankRate Report View Year Established 1892 Employees 113 Primary Regulator FED Assets and Liabilities Assets $663.70 million Loans $286.85 million Deposits $480.32 million Equity Capital $92.18 million Loan Loss Allowance $4.78 million Unbacked Noncurrent Loans $8.65 million Real Estate Owned $150,000 Historic Data - March 2011 Assets $603.29 million Equity Capital $86.08 million Loan Loss Allowance $4.52 million Unbacked Noncurrent Loans $5.96 million Real Estate Owned $687,000 Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 1.11% Return on Equity 7.83% Interest Income $6.54 million

Institution Health Overall Score: 5 out of 5 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 March 31, 2012 Orange County Trust Company had $8.8 million in non-current loans and owned real-estate with $96.96 million in equity and loan loss allowances on hand to cover it. This gives Orange County Trust Company a Texas Ratio of 9.08% 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 County Trust Company held steady from 7.34% as of March 31, 2011 to 9.08% as of March 31, 2012, resulting in a negative change of 23.73%. This indicates that the balance sheet and financial strength for Orange County Trust Company has held steady in recent periods. Deposit Growth In the past year, Orange County Trust Company has increased its total deposits by $53.53 million, resulting in 12.54% 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 County Trust Company has shown is excellent. Capitalization 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 County Trust Company has $663.7 million in assets with $96.96 million in equity, resulting in a capitalization level of 14.61%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.