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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Oritani Bank had $21.82 million in non-current loans and owned real-estate with $478.36 million in equity and loan loss allowances on hand to cover it. This gives Oritani Bank a Texas Ratio of 4.56% 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 Oritani Bank decreased slightly from 5.68% as of June 30, 2013 to 4.56% as of June 30, 2014, resulting in a positive change of 19.71%.This indicates that the balance sheet and financial strength for Oritani Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Oritani Bank has increased its total deposits by $162.27 million, resulting in 11.24% 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 Oritani Bank has shown is excellent.



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. Oritani Bank has $3.11 billion in assets with $478.36 million in equity, resulting in a capitalization level of 15.40%, which is excellent.

Institution Statistics

FDIC Certificate #28866
Year Established1911
Primary RegulatorFDIC
Assets and Liabilities
Assets$3.11 billion
Loans$2.48 billion
Deposits$1.61 billion
Equity Capital$447.15 million
Loan Loss Allowance$31.21 million
Unbacked Noncurrent Loans$17.97 million
Real Estate Owned$3.85 million
Historic Data - June 2013
Assets$2.80 billion
Equity Capital$439.07 million
Loan Loss Allowance$31.15 million
Unbacked Noncurrent Loans$17.97 million
Real Estate Owned$2.81 million
Profit Margin - Quarterly
Return on Assets1.33%
Return on Equity9.15%
Interest Income$63.45 million

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Oritani Bank Savings Account Rates

0.25%$100-Regular Passbook Savings
0.25%$250-Super Passbook
0.25%$250-IRA Savings
0.25%$250-Roth IRA Savings
0.25%$250-CESA Savings

Oritani Bank Money Market Rates

0.65%-$250kLoyalty MMA (with Checking Account)
0.60%-$250kElite MMA
0.54%$100k-Business Money Market
0.50%$25k-E-Statement Money Market
0.45%$25k-Money Market Account

Oritani Bank Checking Account Rates

1.02%-$100kLoyalty Checking
1.02%-$100kLoyalty eStatement Checking
0.40%$25k-Optimum Gold E-Checking
0.30%$25k-Optimum Gold Checking
0.20%$1k-Choice Plus Checking
0.20%--Nifty-50 Checking

Oritani Bank CD Rates

2.00%$1k-5 Year CD
1.75%$1k-4 Year CD
1.50%$1k-3 Year CD
1.25%$1k-Loyalty 2 Year Certificate
1.15%$1k-Loyalty 18 Month Certificate
1.00%$1k-Loyalty 12 Month Certificate
0.90%$1k-30 Month CD
0.75%$1k-2 Year CD
0.65%$1k-18 Month CD
0.50%$1k-1 Year CD
0.35%$1k-6 Month CD
0.25%$1k-3 Month CD

Oritani Bank IRA Rates

2.00%$1k-5 Year IRA
1.75%$1k-4 Year IRA
1.50%$1k-3 Year IRA
1.25%$1k-Loyalty 2 Year IRA
1.15%$1k-Loyalty 18 Month IRA
1.00%$1k-Loyalty 12 Month IRA
0.90%$1k-30 Month IRA
0.75%$1k-2 Year IRA
0.65%$1k-18 Month IRA
0.50%$1k-1 Year IRA
0.35%$1k-6 Month IRA
0.25%$1k-3 Month IRA

Oritani Bank has 26 locations. Click to view all Oritani Bank locations.