NY lenders / Community Bank
Orange Bank & Trust Company
Community Bank · Middletown, NY · Orange County Bcorp Inc
- Total assets
- $2.7B
- CRE loan book
- $1.5B
- QoQ CRE growth
- 0.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.87% as of Q1 2026 — TX bank median 4.87% (1.01pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.87% | 6.11% |
| Q4 2025 | 6.16% | 6.29% |
| Q3 2025 | 6.00% | 6.20% |
| Q2 2025 | 5.83% | 5.96% |
| Q1 2025 | 5.69% | 5.95% |
| Q4 2024 | 5.78% | 6.04% |
| Q3 2024 | 5.60% | 5.98% |
| Q2 2024 | 5.85% | 6.18% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.5B | $121.6M | $463.3M | 360% | $23.0M |
| Q4 2025 | $1.5B | $112.4M | $457.1M | 368% | $8.7M |
| Q3 2025 | $1.5B | $129.8M | $427.5M | 374% | $8.4M |
| Q2 2025 | $1.5B | $128.1M | $420.6M | 377% | $8.4M |
| Q1 2025 | $1.4B | $117.6M | $389.7M | 421% | $6.0M |
| Q4 2024 | $1.4B | $101.5M | $373.7M | 419% | $6.0M |
| Q3 2024 | $1.4B | $96.2M | $308.5M | 415% | $10.7M |
| Q2 2024 | $1.3B | $109.8M | $282.1M | 398% | $15.2M |
Signals
Recent news
- Orange Bank & Trust Company Appoints Three Senior Commercial Loan Officers to Drive Regional Growth - Carroll County Mirror-Democrat — Coverage of Orange Bank & Trust Company related to personnel moves and lending reported by mycarrollcountynews.com.Oct 8, 2026
- Bank of America Corp DE Makes New Investment in Orange County Bancorp, Inc. $OBT - MarketBeat — Coverage of Orange Bank & Trust Company related to commercial real estate and lending reported by marketbeat.com.Oct 1, 2026
- KBRA affirms Orange County Bancorp ratings with stable outlook - Traders Union — Coverage of Orange Bank & Trust Company related to commercial real estate and lending reported by tradersunion.com.Sep 9, 2026
- 2026 Women in Commercial Real Estate: Stephanie Melowsky, Orange Bank & Trust Company - New York Real Estate Journal — Coverage of Orange Bank & Trust Company related to commercial real estate and lending reported by nyrej.com.Aug 25, 2026
- Orange County Bancorp, Inc. Announces Record Second Quarter Earnings - The Manila Times — Coverage of Orange Bank & Trust Company related to earnings reported by manilatimes.net.Jul 28, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Leader Bank, National AssociationCommunity Bank · Arlington · $1.5B CRE book
- Coastal Community BankCommunity Bank · Everett · $1.5B CRE book
- City BankCommunity Bank · Lubbock · $1.6B CRE book
- Bank Five NineCommunity Bank · Oconomowoc · $1.6B CRE book
- Academy Bank, National AssociationCommunity Bank · Kansas City · $1.5B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.