Community State Bank of Orbisonia
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Data as of · sourced from FFIEC call reports. How we update
Community State Bank of Orbisonia is an FDIC-insured commercial bank headquartered in Orbisonia, PA, established in 1951 (FDIC certificate 16976), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $473.5M, up 4.5% from Q2 2025, the 69th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.99% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16976
- Headquarters
- Orbisonia, PA
- Established
- 1951
- Total assets, Q2 2026
- $473.5M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 9.99%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 031317788
- Latest call report
- Q2 2026, FFIEC 051 · Community State Bank of Orbisonia call report
- Holding company
- ORBISONIA COMMUNITY BANCORP, INC.
- Asset rank in state
- 69th of 109 in Pennsylvania
Community State Bank of Orbisonia, based in Orbisonia, Pennsylvania, reported $473 million in assets at June 30, 2026, up 4.5% from a year earlier. It pays an average of 1.20% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it earns about $0.71 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
Deposits are coming in faster than loans: over the year loans rose 1.3% and deposits rose 4.3%. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.0 million equal 13% of Tier 1 capital, down from 19% a year earlier. Costs are the weak spot: it spends about 75 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Community State Bank of Orbisonia reported a return on assets of 0.71%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 3.83%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Community State Bank of Orbisonia is the 69th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $473.5M, loans rose 0.1% and deposits rose 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 63.2% of total loans, followed by owner-occupied commercial real estate loans at 10.1%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in PA; its Mc Connellsburg office books 23% of its branch deposits. Judged on its Q2 2026 call report, Community State Bank of Orbisonia meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 478 Ridgley St, Orbisonia, PA 17243
- County
- Huntingdon
- Metro Area
- Huntingdon, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 11, 1951
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 102
- Domestic deposits
- $424.3M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $149K
- Average total assets
- $479.4M
- Average total loans
- $353.8M
- Average interest-bearing deposits
- $384.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 11, 1951
- FDIC Cert
- 16976
- Fed RSSD
- 121914
- Website
- www.communitystate.bank →
- Parent Holding Company
- ORBISONIA COMMUNITY BANCORP, INC. (RSSD 1248854)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Community State Bank of Orbisonia reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Community State Bank of Orbisonia's total assets moved between a low of $447.6M (Q3 2025) and a high of $473.5M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$473.5M total assets against $453.3M; $428.4M total liabilities against $412.4M.
$351.0M net loans and leases against $346.5M; $424.3M total deposits against $406.8M.
$64.3M securities against $66.1M; $32.9M cash and balances due against $16.8M.
$5.7M total interest income against $5.4M; $1.3M total interest expense against $1.3M.
$4.5M net interest income against $4.1M.
$840K total noninterest income against $900K; $4.0M total noninterest expense against $3.9M.
$246K provision for credit losses against $105K.
$851K net income against $812K.
0.71% return on assets against 0.70%; 4.01% net interest margin against 3.84%.
9.99% tier 1 leverage ratio against 9.79%.
Inside the full Community State Bank of Orbisonia terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity State Bank of Orbisonia rankings
Its closest position to the top of a national ranking is 1,842 of 4,196, for total assets; its furthest is 3,049 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.35% (Q4 2024) to 0.87% (Q3 2025) and its net interest margin ran from 3.55% (Q3 2024) to 4.01% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.99% | 0.71% | 0.49% | 3.83% | 4.01% |
| Q1 2026 | 10.07% | 0.55% | 0.54% | 4.31% | 3.95% |
| Q4 2025 | 10.14% | 0.48% | 0.54% | 4.29% | 3.99% |
| Q3 2025 | 10.06% | 0.87% | 0.58% | 4.69% | 3.95% |
| Q2 2025 | 9.79% | 0.70% | 0.55% | 4.65% | 3.84% |
| Q1 2025 | 9.59% | 0.70% | 0.51% | 4.91% | 3.74% |
| Q4 2024 | 9.48% | 0.35% | 0.48% | 4.91% | 3.65% |
| Q3 2024 | 9.44% | 0.80% | 0.49% | 4.69% | 3.55% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mc Connellsburg Branch | Mc Connellsburg , PA | 17233 | $99.7M |
| Huntingdon Branch | Huntingdon , PA | 16652 | $79.0M |
| Community State Bank of Orbisonia (main office) | Orbisonia , PA | 17243 | $78.8M |
| Mount Union Branch | Mount Union , PA | 17066 | $47.5M |
| Three Springs Branch | Three Springs , PA | 17264 | $42.5M |
| Saxton Branch | Saxton , PA | 16678 | $40.9M |
| Mercersburg Branch Office | Mercersburg , PA | 17236 | $35.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 86 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 343 applications, 262 loans originated, $30.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community State Bank of Orbisonia
What are Community State Bank of Orbisonia's total assets?
As of the Q2 2026 filing, Community State Bank of Orbisonia reported total assets of $473.5 million in its FFIEC call report.
Where is Community State Bank of Orbisonia headquartered?
It is headquartered in Orbisonia, PA, United States.
When was Community State Bank of Orbisonia founded?
It was established in 1951, per the FDIC institution directory.
Is Community State Bank of Orbisonia FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16976). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community State Bank of Orbisonia?
Community State Bank of Orbisonia's primary federal regulator is the FDIC.
How many branches does Community State Bank of Orbisonia operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community State Bank of Orbisonia's Texas Ratio?
Its Texas Ratio is 3.83% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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