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Community State Bank of Orbisonia

$100M-$1B Specialty: Mortgage PA FDIC cert 16976

Orbisonia, PA

7 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
  • Deposits +4.3% year over year ($424.3M on the books).
  • Delinquency rate 0.49%.
  • Return on assets 0.64%.
  • Efficiency ratio 80.71% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.72% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

Community State Bank of Orbisonia has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 17.7% in tier
  • - Capital Thin: Bottom 35.8% in tier
  • - Non-Interest-Bearing Deposit Share 12.63% below tier average
  • - ROA 0.69% below tier average
Get updates when Community State Bank of Orbisonia releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $473.5M
+4.5% YoY +0.3% QoQ
+$86.9M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $351.0M
+1.3% YoY +0.0% QoQ
+$92.6M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
74%
Total Deposits ? $424.3M
+4.3% YoY +0.3% QoQ
+$97.6M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
72%
Return on Assets ? 0.64%
-10.5% YoY +15.9% QoQ
-0.69% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
16%
Net Interest Margin ? 4.02%
+5.5% YoY +1.2% QoQ
+0.04% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
55%
Efficiency Ratio ? 80.71%
+3.5% YoY -6.0% QoQ
+16.23% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
Bottom 12.9% in tier
Delinquency Rate ? 0.49%
-12.2% YoY -10.8% QoQ
-0.43% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
47%
Loan-to-Deposit Ratio ? 82.72%
-2.9% YoY -0.2% QoQ
+4.77% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 9.40%
-2.0% YoY -1.8% QoQ
-12.63% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
Bottom 9.5% in tier
Nonperforming Asset Ratio ? 0.37%
-12.8% YoY -10.2% QoQ
-0.30% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
46%
Tier 1 Capital Ratio ? 9.99%
+2.1% YoY -0.8% QoQ
-5.91% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 10.6% in tier
Non-Interest Income / Assets ? 0.35%
-9.2% YoY +100.6% QoQ
-0.21% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
80%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 9.4%
-0.2pp YoY
-0.2pp QoQ
 -12.7pp 22.1% 18.7% 22.2% 9%
Brokered Deposits n/a n/a 7.9% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 4.8%
+0.1pp YoY
+0.1pp QoQ
 -6.7pp 11.6% 8.6% 12.5% 19%
CRE 20.9%
+1.9pp YoY
+0.8pp QoQ
 -18.7pp 39.5% 37.9% 41.4% 20%
1-4 Family 63.7%
+0.1pp YoY
+0.4pp QoQ
 +31.1pp 32.6% 47.8% 31.3% 92%
Consumer 2.9%
-2.3pp YoY
-1.4pp QoQ
 -1.3pp 4.1% 3.8% 5.0% 58%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.3% 19.7% n/a
Leverage Ratio 10.0%
+0.2pp YoY
-0.1pp QoQ
 -2.2pp 12.2% 13.2% 12.6% 31%
Total Capital Ratio n/a n/a 19.9% 23.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 102
-2 (-1.9%) YoY
-1 (-1.0%) QoQ
 +43 58 299 482 88%
Assets per Employee ($) $4.6M
+6.5% YoY
+1.3% QoQ
 -$2.9M $7.5M $9.2M $8.8M 10%
Branch Count 7
-1 (-12.5%) YoY
-1 (-12.5%) QoQ
 +2 4 20 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 37%
Nonaccrual 0.4%
0.0pp YoY
0.0pp QoQ
 -0.5pp 0.9% 0.9% 1.0% 50%
Allowance Coverage 1.73x
+9.7% YoY
+16.8% QoQ
 -22.43x 24.15x 3.63x 20.23x 43%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 74%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 6.7%
-1.5pp YoY
+0.9pp QoQ
 -5.5pp 12.2% 10.2% 11.6% 19%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.8% 1.7% 17%
Net Income ($, YTD) $1.5M
-8.5% YoY
— QoQ
 -$1.1M $2.6M $18.2M $40.4M 41%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk
#65 of 361 • Bottom 17.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 80.71%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Capital Thin

risk
#238 of 661 • Bottom 35.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.99%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

527
Non-Interest Income / Assets
revenue_mix
Value: 0.35%
Peer Median: 0.57%
#527 of 2643 Top 19.9% in $100M-$1B

Top Weaknesses (4 metrics)

2392
Non-Interest-Bearing Deposit Share
funding
Value: 9.40%
Peer Median: 22.03%
#2392 of 2643 Bottom 9.5% in $100M-$1B
2364
Tier 1 Capital Ratio
capital
Value: 9.99%
Peer Median: 15.91%
#2364 of 2643 Bottom 10.6% in $100M-$1B
2302
Efficiency Ratio
profitability
Value: 80.71%
Peer Median: 64.48%
#2302 of 2643 Bottom 12.9% in $100M-$1B
2211
Return on Assets
profitability
Value: 0.64%
Peer Median: 1.32%
#2211 of 2643 Bottom 16.4% in $100M-$1B
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