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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

$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

4.77%Q2 ’244.70%Q2 ’254.79%Q2 ’26+7%+5%

Non-interest income vs. expense

3.37%Q2 ’243.38%Q2 ’253.33%Q2 ’26+1%+1%

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 0.72%, up 1 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.49% of loans (-7 bps YoY), with net charge-offs at 0.10%.
  • 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 (quarter, annualized)

0.72%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.73%+17 bps YoY

Efficiency Ratio (quarter, annualized)

75.33%-288 bps YoY

Tier 1 Leverage Ratio

9.99%+21 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.89%0.48%0.55%0.72%+1 bps
Return on Equity8.02%9.56%5.03%5.76%7.59%-43 bps
Net Interest Margin3.57%3.67%3.71%3.71%3.73%+17 bps
Efficiency Ratio78.21%75.22%85.07%86.25%75.33%-288 bps
Non-Interest Burden2.61%2.57%3.02%3.09%2.63%+2 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 / Loans0.06%0.07%0.07%0.07%0.10%+4 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