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
Unfavorable gap of $13.5M · efficiency ratio beats 16% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.63% | 0.72% | 1.06% | 1.45% | Beats 21% | 592 / 746 | |
| Return on Equity | 6.62% | 6.74% | 10.51% | 13.63% | Beats 24% | 566 / 746 | |
| Net Interest Margin | 3.68% | 3.17% | 3.68% | 4.16% | Beats 50% | 371 / 746 | |
| Efficiency Ratio | 80.71% | 55.74% | 64.58% | 75.47% | Beats 16% | 626 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.09% | 0.42% | 1.07% | Beats 47% | 395 / 743 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 25% | 559 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.99% | 11.55% | 13.75% | 17.60% | Beats 8% | 684 / 746 | |
| Total Risk-Based Capital Ratio | 9.99% | 11.71% | 14.33% | 18.43% | Beats 8% | 687 / 746 | |
| Equity / Assets | 9.51% | 8.90% | 10.51% | 13.06% | Beats 34% | 493 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 83.42% | 61.31% | 78.27% | 90.78% | 61st pctl | 288 / 746 | |
| Loans / Assets | 74.76% | 53.60% | 66.97% | 76.08% | 70th pctl | 221 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |