Community State Bank of Orbisonia: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.72 percentage points higher than in Q1 2026, at 83.62%. Community State Bank of Orbisonia ranks 78th of 109 Pennsylvania banks on return on assets, in the lower half at 0.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Community State Bank of Orbisonia sits 0.54 points lower, at 0.71% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.99% |
| Equity capital to assets | 9.51% |
| Tangible equity to tangible assets | 9.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.00% |
| Non-performing assets ratio | 0.76% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 8.14% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | 83.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.71% |
| Return on equity | 7.59% |
| Net interest margin | 4.01% |
| Efficiency ratio | 75.07% |
| Yield on earning assets | 5.15% |
| Cost of funds | 1.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.42% |
| Core deposits to total deposits | 96.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.62% |
| Securities to assets | 13.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.19% | 0.59% | 3.54% | 1.30% | 0.19% |
| Q4 2023 | 9.17% | -0.06% | 3.52% | 1.12% | 0.29% |
| Q1 2024 | 9.18% | 0.43% | 3.37% | 1.12% | 0.05% |
| Q2 2024 | 9.27% | 0.61% | 3.48% | 1.06% | 0.05% |
| Q3 2024 | 9.44% | 0.80% | 3.55% | 1.02% | 0.17% |
| Q4 2024 | 9.48% | 0.35% | 3.65% | 1.01% | 0.10% |
| Q1 2025 | 9.59% | 0.70% | 3.74% | 1.03% | 0.08% |
| Q2 2025 | 9.79% | 0.70% | 3.84% | 1.02% | 0.06% |
| Q3 2025 | 10.06% | 0.87% | 3.95% | 1.14% | 0.07% |
| Q4 2025 | 10.14% | 0.48% | 3.99% | 0.90% | 0.07% |
| Q1 2026 | 10.07% | 0.55% | 3.95% | 1.05% | 0.07% |
| Q2 2026 | 9.99% | 0.71% | 4.01% | 1.00% | 0.10% |
Community State Bank of Orbisonia vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community State Bank of Orbisonia, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)