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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 $15.1MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $384.4M9%Noninterest $39.9MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.55%0.71%0.71%0.77%0.70%0.55%0.64%-7 bps
Return on Equity7.45%6.61%8.26%8.15%8.61%7.68%5.76%6.68%-146 bps
Net Interest Margin3.31%3.34%3.50%3.54%3.60%3.63%3.71%3.68%+14 bps
Efficiency Ratio81.06%82.74%77.69%77.95%77.03%79.11%86.25%80.71%+276 bps
Non-Interest Burden2.53%2.63%2.54%2.58%2.59%2.69%3.09%2.82%+24 bps
Growth
Asset Growth (YoY)1.40%-0.25%-1.55%-2.32%-3.46%-0.10%2.19%4.46%+677 bps
Loan Growth (YoY)2.07%0.38%-0.70%-1.29%-0.47%-0.87%0.77%1.27%+256 bps
Deposit Growth (YoY)-0.20%3.07%1.86%1.15%0.67%1.05%3.11%4.31%+316 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.48%0.51%0.55%0.58%0.54%0.54%0.49%-7 bps
Net Charge-Offs / Loans0.09%0.09%0.08%0.07%0.07%0.07%0.07%0.08%+1 bps
Allowance / Loans0.82%0.83%0.85%0.87%0.85%0.84%0.80%0.84%-3 bps
Allowance Coverage of NPLs1.7x1.7x1.7x1.6x1.5x1.6x1.5x1.7x+0.2x
Capital
Tier 1 Leverage Ratio9.44%9.48%9.59%9.79%10.06%10.14%10.07%9.99%+21 bps
Total Risk-Based Capital9.44%9.48%9.59%9.79%10.06%10.14%10.07%9.99%+21 bps
Equity / Assets8.67%8.47%8.69%9.01%9.63%9.60%9.45%9.51%+50 bps
Liquidity & Funding
Loans / Deposits89.14%87.32%85.52%85.93%88.13%85.67%83.58%83.42%-251 bps
Liquid Assets / Assets0.31%0.34%0.32%0.45%0.58%0.46%0.42%1.25%+79 bps
CRE / Total Capitaln/an/an/an/a147.36%149.52%149.80%n/an/a