Average User Rating:
5 star rating based on 1 review.

Orange Savings Bank

812 Sixteenth Street
Orange, TX 77630
(409) 883-3563
www.orangesavingsbank.com

FDIC

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Orange Savings Bank is headquartered in Orange and is the 118^st largest bank in the state of Texas. It is also the 1,525^th largest bank in the nation. It was established in 1954 and as of March of 2013, it had grown to 96 employees at 6 locations. Orange Savings Bank has a 5-star health rating.

RCA Change (Forum) - 1/2/2013

In reviewing the APY at Orange Savings Bank in Orange TX and the RCA rate has changed from 3.0% to 2.5%.

Orange Savings Bank (TX) RCA 3%APY $35K Cap Selected Counties Only (Forum) - 5/13/2012

According to the online application at this time they are only accepting applications from residents in Orange, Jefferson, Hardin, Newton and Jasper counties. Monthly Qualifications 1. 10 debit card posted point of sale transactions 2. Have at

4.01% Reward Checking Account at a Texas Bank (Orange Savings) - 4/14/2008

Update 12/07/08: The yield has fallen to 4.01% APY. This top yield now applies to balances up to $35,000. Refer to the bottom of the post for the rate history.Orange Savings Bank has a reward checking account that pays 4.01% APY on balances up to $35,000...

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See Rates for: Checking | Savings | Money Market | CD

Orange Savings Bank Checking Account Rates

Apy	Min	Max	Product
2.50%	-	$25k	Rewards Checking
0.05%	-	-	Hog Wild
0.05%	-	-	Flying 50

Orange Savings Bank Savings Account Rates

	Apy	Min	Max	Product
	0.15%	-	-	Generation Savings

Orange Savings Bank Money Market Rates

	Apy	Min	Max	Product
	0.40%	$50k	-	Portfolio Money Market

Orange Savings Bank CD Rates

Apy	Min	Max	Product
1.21%	$5k	-	60 Month CD
1.00%	$5k	-	48 Month CD
0.90%	$5k	-	36 Month CD
0.60%	$5k	-	24 Month CD
0.50%	$5k	-	18 Month CD
0.40%	$5k	-	12 Month CD
0.20%	$5k	-	182 Day CD
0.20%	$5k	-	9 Month CD
0.05%	$5k	-	91 Day CD
0.03%	$5k	-	30 Day CD

Rates updated: 6/4/2013

Data for Q1 2013

Institution Statistics

Orange Savings Bank, ssb
FDIC Certificate #	30696
BankRate Report	View
Year Established	1954
Employees	96
Primary Regulator	FDIC
Assets and Liabilities
Assets	$437.79 million
Loans	$294.33 million
Deposits	$379.63 million
Equity Capital	$45.93 million
Loan Loss Allowance	$2.99 million
Unbacked Noncurrent Loans	$493,000
Real Estate Owned	$2.67 million
Historic Data - March 2012
Assets	$413.62 million
Equity Capital	$42.12 million
Loan Loss Allowance	$2.66 million
Unbacked Noncurrent Loans	$418,000
Real Estate Owned	$3.63 million
Profit Margin - Quarterly
Net Interest Margin	4.3%
Return on Assets	2.07%
Return on Equity	19.93%
Interest Income	$5.04 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, 2013 Orange Savings Bank had $3.16 million in non-current loans and owned real-estate with $48.92 million in equity and loan loss allowances on hand to cover it. This gives Orange Savings Bank a Texas Ratio of 6.46% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Orange Savings Bank decreased slightly from 9.03% as of March 31, 2012 to 6.46% as of March 31, 2013, resulting in a positive change of 28.53%.This indicates that the balance sheet and financial strength for Orange Savings Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Orange Savings Bank has increased its total deposits by $16.88 million, resulting in 4.65% 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 Savings Bank has shown is above average.
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 Savings Bank has $437.79 million in assets with $48.92 million in equity, resulting in a capitalization level of 11.17%, which is above average.