BlastPoint's Banking Scorecard
Community State Bank of Orbisonia
Orbisonia, PA
8 branches across PA
Community State Bank of Orbisonia has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.1% in tier
- - Capital Thin: Bottom 20.6% in tier
- - Efficiency Drag: Bottom 23.9% in tier
- - Credit Quality Pressure: Bottom 25.5% in tier
- - Non-Interest-Bearing Deposit Share 12.44% below tier average
- - ROA 0.72% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$472.1M
+2.2% YoY
+2.9% QoQ
|
+$86.0M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$350.9M
+0.8% YoY
+0.5% QoQ
|
+$95.2M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
75% |
| Total Deposits ? |
$423.2M
+3.1% YoY
+3.0% QoQ
|
+$95.3M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
0.55%
-22.6% YoY
-21.2% QoQ
|
-0.72% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 14.3% in tier |
| Net Interest Margin ? |
3.98%
+5.6% YoY
+2.1% QoQ
|
+0.05% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
86.25%
+11.0% YoY
+9.0% QoQ
|
+20.97% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
Bottom 9.3% in tier |
| Delinquency Rate ? |
0.55%
+7.1% YoY
+1.4% QoQ
|
-0.34% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
82.90%
-2.2% YoY
-2.4% QoQ
|
+6.27% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
9.58%
-1.7% YoY
+3.1% QoQ
|
-12.44% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.9% in tier |
| Nonperforming Asset Ratio ? |
0.41%
-4.4% YoY
-1.4% QoQ
|
-0.22% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
42% |
| Tier 1 Capital Ratio ? |
10.07%
+5.0% YoY
-0.7% QoQ
|
-5.76% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.5% in tier |
| Non-Interest Income / Assets ? |
0.18%
-5.6% YoY
-77.2% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
81% |
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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 (0)
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.