Community State Bank of Orbisonia: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 14.59 percentage points lower than in Q1 2026, at 1.74%. Within Pennsylvania, Community State Bank of Orbisonia is 62nd of 109 on loan-to-deposit ratio, 83.42% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community State Bank of Orbisonia sits 2.58 points higher, at 83.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $353.9M |
| Net loans and leases | $351.0M |
| Loans held for sale | $0 |
| Loans to total assets | 74.76% |
| Loan-to-deposit ratio | 83.42% |
| Net loans to equity capital | 7.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.44% |
| Multifamily (5+ residential) | 1.01% |
| Commercial and industrial | 4.79% |
| Consumer | 2.83% |
| Credit cards | 0.00% |
| Farm | 7.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 73.84% |
| Construction concentration (Tier 1 capital + allowance) | 1.74% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.78% |
| Interest income on loans | $5.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $347.7M | $399.0M | 13.00% | 4.52% | 9.23% |
| Q4 2023 | $353.7M | $394.5M | 12.91% | 5.13% | 8.39% |
| Q1 2024 | $353.5M | $403.0M | 14.30% | 4.63% | 7.78% |
| Q2 2024 | $354.1M | $402.1M | 14.14% | 4.83% | 7.06% |
| Q3 2024 | $354.9M | $398.2M | 13.99% | 5.02% | 6.63% |
| Q4 2024 | $355.1M | $406.6M | 14.39% | 5.01% | 6.45% |
| Q1 2025 | $351.0M | $410.4M | 14.79% | 4.98% | 5.28% |
| Q2 2025 | $349.5M | $406.8M | 14.96% | 4.71% | 5.08% |
| Q3 2025 | $353.3M | $400.9M | 15.40% | 4.69% | 4.49% |
| Q4 2025 | $352.0M | $410.9M | 15.58% | 4.92% | 4.44% |
| Q1 2026 | $353.7M | $423.2M | 16.71% | 4.69% | 4.26% |
| Q2 2026 | $353.9M | $424.3M | 19.44% | 4.79% | 2.83% |
Community State Bank of Orbisonia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community State Bank of Orbisonia, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community State Bank of Orbisonia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16976) · FFIEC NIC profile (RSSD 121914)