Community State Bank of Orbisonia: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community State Bank of Orbisonia of Orbisonia, PA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.71% | 1.34% | -0.63% | 19th bottom |
| ROAE | 7.59% | 13.32% | -5.73% | 23rd bottom |
| Net Interest Margin | 4.01% | 3.93% | +0.08% | 54th above |
| Efficiency Ratio | 75.07% | 61.13% | +13.94% | 19th bottom |
| PPNR / Avg Assets | 1.07% | 1.68% | -0.61% | 24th bottom |
| Yield on Earning Assets | 5.15% | 5.67% | -0.52% | 29th below |
| Cost of Funds | 1.20% | 1.88% | -0.68% | 85th top |
| Net Interest Spread | 3.82% | 3.32% | +0.50% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.00% | 0.94% | +0.06% | 28th below |
| NPA / Total Assets | 0.76% | 0.70% | +0.06% | 28th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.10% | 0.16% | -0.06% | 19th bottom |
| ACL / Total Loans | 0.84% | 1.28% | -0.44% | 13th bottom |
| ACL / NPLs (Coverage) | 83.62% | 1539.40% | -1455.78% | 22nd bottom |
| Texas Ratio | 8.14% | 7.33% | +0.81% | 27th below |
| Provision / NCO | 95.97% | 1396.40% | -1300.43% | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.99% | 12.14% | -2.15% | 31st below |
| Equity / Assets | 9.51% | 11.38% | -1.87% | 36th below |
| TCE / Tangible Assets | 9.11% | 11.09% | -1.98% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.42% | 80.64% | +2.78% | 44th below |
| Core Deposit Ratio | 96.90% | 86.86% | +10.04% | 93rd top |
| Wholesale Funding Ratio | 0.10% | 5.04% | -4.94% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.46% | 6.85% | -2.39% | 50th above |
| Loan Growth (Y/Y) | 1.27% | 7.91% | -6.64% | 28th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.31% | 6.29% | -1.98% | 52nd above |
See Community State Bank of Orbisonia's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community State Bank of Orbisonia, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Community State Bank of Orbisonia profile, how to read a UBPR, or how this data updates.