TellerScore

Headquartered in Orbisonia, Pennsylvania, Community State Bank of Orbisonia is a state-chartered bank with $473.5M in total assets and $424.3M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1951.

Community State Bank of Orbisonia has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 65th. Problem-loan coverage contributes the most (93/100, 3.7%); earnings contributes the least (45/100, 0.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.99%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.49%
Earnings45/100
Return on assets (annualized): 0.64%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 82.7% · 7.9% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.66%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 66).

TellerScore
626466Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202463
Q4 202463
Q1 202565
Q2 202565
Q3 202566
Q4 202566
Q1 202665
Q2 202666
Tier 1 leverage ratio
5.00%7.57%10.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.27%
Q3 20249.44%
Q4 20249.48%
Q1 20259.59%
Q2 20259.79%
Q3 202510.06%
Q4 202510.14%
Q1 202610.07%
Q2 20269.99%
Noncurrent loans
0.48%0.53%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.49%
Q3 20240.49%
Q4 20240.48%
Q1 20250.51%
Q2 20250.55%
Q3 20250.58%
Q4 20250.54%
Q1 20260.54%
Q2 20260.49%
Return on assets
0.52%0.64%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.61%
Q4 20240.55%
Q1 20250.71%
Q2 20250.71%
Q3 20250.77%
Q4 20250.70%
Q1 20260.55%
Q2 20260.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$473.5M9.99%0.49%0.64%82.7%
Q1 202665$472.1M10.07%0.54%0.55%82.9%
Q4 202566$459.0M10.14%0.54%0.70%84.9%
Q3 202566$447.6M10.06%0.58%0.77%87.4%
Q2 202565$453.3M9.79%0.55%0.71%85.2%
Q1 202565$461.9M9.59%0.51%0.71%84.8%
Q4 202463$459.4M9.48%0.48%0.55%86.6%
Q3 202463$463.6M9.44%0.49%0.61%88.4%
Q2 202462$464.0M9.27%0.49%0.52%87.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.99%
31st
Total risk-based capital0.00%
24th
Problem loans0.49%
46th
Net charge-offs0.08%
22nd
Return on assets0.64%
16th
Net interest margin4.02%
55th
Efficiency ratio80.7%
13th
Loans to deposits82.7%
44th
Uninsured deposits7.9%
97th
Loan-loss reserves0.84%
13th
Texas ratio3.7%
43rd

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
The Neffs National BankBank Neffs, PA87 out of 100, Very strong$470.8M16.8%0.04%vs
Elderton State BankBank Elderton, PA74 out of 100, Strong$465.2M12.1%0.76%vs
United Savings BankBank Philadelphia, PA89 out of 100, Very strong$460.6M17.4%0.00%vs
Hometown Bank of PennsylvaniaBank Bedford, PA59 out of 100, Moderate$453.9M8.3%1.07%vs
Ambler Savings BankBank Ambler, PA79 out of 100, Strong$502.3M14.3%0.31%vs
Hamlin Bank and Trust CompanyBank Smethport, PA89 out of 100, Very strong$503.4M20.0%0.96%vs

Deposit insurance

Is my money safe at Community State Bank of Orbisonia?

Yes. Community State Bank of Orbisonia is an FDIC-insured institution (FDIC certificate #16976). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 7.9% of deposits ($33.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.99%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Community State Bank of Orbisonia lists 7 offices in 7 cities. Most locations:

  • Huntingdon, PA (1)
  • Mc Connellsburg, PA (1)
  • Mercersburg, PA (1)
  • Mount Union, PA (1)
  • Orbisonia, PA (1)
  • Saxton, PA (1)
  • Three Springs, PA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community State Bank of Orbisonia reported 344 home-loan applications under HMDA (LEI 549300YUVOQXC2XL4P90): 262 originated ($30,430,000 total), 46 denied, and 31 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Community State Bank of Orbisonia
Type
State-chartered bank
FDIC certificate #
16976
RSSD ID
121914
Primary regulator
FDIC
Holding company
Orbisonia Community Bcorp Inc
Established
January 11, 1951
Headquarters
478 Ridgley St, Orbisonia, PA 17243
Employees
102

Quick answers

Community State Bank of Orbisonia: common questions

Is Community State Bank of Orbisonia FDIC insured?

Yes. Community State Bank of Orbisonia is an FDIC-insured institution (FDIC certificate #16976). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community State Bank of Orbisonia's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Community State Bank of Orbisonia ever failed?

There is no failure record for FDIC certificate #16976 in the FDIC failed bank list.

How many branches does Community State Bank of Orbisonia have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Orbisonia

InstitutionScoreAssetsCapitalProblem loansCompare
Members 1st Federal Credit UnionCredit union Enola, PA88 out of 100, Very strong$8.7B15.1%0.73%vs
1st Ed Credit UnionCredit union Chambersburg, PA83 out of 100, Strong$138.2M15.9%0.50%vs
The Bank of LandisburgBank Landisburg, PA80 out of 100, Strong$417.1M17.0%1.61%vs
Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA80 out of 100, Strong$9.7B11.8%0.75%vs
PennCrest BankBank Altoona, PA76 out of 100, Strong$247.1M13.5%0.50%vs
Patriot Federal Credit UnionCredit union Chambersburg, PA76 out of 100, Strong$1.3B11.5%0.26%vs