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Community State Bank of Orbisonia

Orbisonia, PA · Cert 16976 · Orbisonia Community Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

17

Q2 2024Q2 2026peer median (50)

Asset Quality

36

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community State Bank of Orbisonia

Orbisonia, PA · Cert 16976 · Orbisonia Community Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$473.5MAssets
$353.9MLoans
$424.3MDeposits
$45.0MEquity
Loan mix
91%RE $316.9M5%C&I $16.6M4%Consumer $15.1MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $384.4M9%Noninterest $39.9MQ2 2025Q2 2026

NIM

4.68%Q2 ’244.69%Q2 ’254.71%Q2 ’26+8%+4%

Non-interest income vs. expense

3.32%Q2 ’243.34%Q2 ’253.52%Q2 ’26+1%+9%

Market Position · Chambersburg, PA · 2026 SOD (annual) · 1.0% share · #7 of 9 inst. · $0.0B of $3.5B

32.0% Huntingdon
51.5% Fulton
3.6% Bedford
1.0% Franklin

Executive Summary

  • Earnings: ROA of 0.64%, down 7 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.49% of loans (-7 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 9.99%, up 21 bps from a year ago.
  • Funding: loans stand at 83.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+14 bps YoY

Efficiency Ratio (YTD, annualized)

80.71%+276 bps YoY

Tier 1 Leverage Ratio

9.99%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.77%0.70%0.55%0.64%-7 bps
Return on Equity8.15%8.61%7.68%5.76%6.68%-146 bps
Net Interest Margin3.54%3.60%3.63%3.71%3.68%+14 bps
Efficiency Ratio77.95%77.03%79.11%86.25%80.71%+276 bps
Non-Interest Burden2.58%2.59%2.69%3.09%2.82%+24 bps
Growth
Asset Growth (YoY)-2.32%-3.46%-0.10%2.19%4.46%+677 bps
Loan Growth (YoY)-1.29%-0.47%-0.87%0.77%1.27%+256 bps
Deposit Growth (YoY)1.15%0.67%1.05%3.11%4.31%+316 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.58%0.54%0.54%0.49%-7 bps
Net Charge-Offs / Loans0.07%0.07%0.07%0.07%0.08%+1 bps
Allowance / Loans0.87%0.85%0.84%0.80%0.84%-3 bps
Allowance Coverage of NPLs1.6x1.5x1.6x1.5x1.7x+0.2x
Capital
Tier 1 Leverage Ratio9.79%10.06%10.14%10.07%9.99%+21 bps
Total Risk-Based Capital9.79%10.06%10.14%10.07%9.99%+21 bps
Equity / Assets9.01%9.63%9.60%9.45%9.51%+50 bps
Liquidity & Funding
Loans / Deposits85.93%88.13%85.67%83.58%83.42%-251 bps
Liquid Assets / Assets0.45%0.58%0.46%0.42%1.25%+79 bps
CRE / Total Capitaln/a147.36%149.52%149.80%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community State Bank of Orbisonia

Orbisonia, PA · Cert 16976 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Orbisonia Community Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$473.5MAssets
$353.9MLoans
$424.3MDeposits
$45.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 50% of banks under $1B in assets operating in a single state (rank 371 of 746).
  • Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets operating in a single state (rank 687 of 746).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.63%

Rank 592 of 746

Net Interest Margin

3.68%

Rank 371 of 746

Efficiency Ratio

80.71%

Rank 626 of 746

Equity / Assets

9.51%

Rank 493 of 746

Non-interest income vs. expense

$3.3M$16.9MINCOMEEXPENSE
Unfavorable gap of $13.5M · efficiency ratio beats 16% of banks under $1B in assets operating in a single state
Bank 80.71%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.63%0.72%1.06%1.45%Beats 21%592 / 746
Return on Equity6.62%6.74%10.51%13.63%Beats 24%566 / 746
Net Interest Margin3.68%3.17%3.68%4.16%Beats 50%371 / 746
Efficiency Ratio80.71%55.74%64.58%75.47%Beats 16%626 / 746
Asset Quality
Nonperforming Loans / Loans0.49%0.09%0.42%1.07%Beats 47%395 / 743
Net Charge-Offs / Loans0.05%0.00%0.01%0.05%Beats 25%559 / 743
Capital
Tier 1 Capital Ratio9.99%11.55%13.75%17.60%Beats 8%684 / 746
Total Risk-Based Capital Ratio9.99%11.71%14.33%18.43%Beats 8%687 / 746
Equity / Assets9.51%8.90%10.51%13.06%Beats 34%493 / 746
Liquidity & Funding
Loans / Deposits83.42%61.31%78.27%90.78%61st pctl288 / 746
Loans / Assets74.76%53.60%66.97%76.08%70th pctl221 / 746
Brokered Deposits / Depositsn/aNot reported for this institution