Side-by-side · Q2 2026 data
Community State Bank of Orbisonia vs PennCrest Bank
Metric by metric
| Measure | Community State Bank of Orbisonia | PennCrest Bank |
|---|---|---|
| TellerScore | 66 | 76 (stronger) |
| Capital cushion | 50 | 85 (stronger) |
| Loan quality | 84 (stronger) | 83 |
| Earnings | 45 (stronger) | 39 |
| Funding & liquidity | 78 | 86 (stronger) |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 31st | 64th |
| Total assets | $473.5M | $247.1M |
| Deposits / shares | $424.3M | $210.0M |
| Capital ratio | 9.99% | 13.48% (stronger) |
| Problem loans | 0.49% (stronger) | 0.50% |
| Net charge-offs | 0.08% | 0.01% (stronger) |
| Return on assets | 0.64% (stronger) | 0.47% |
| Loans ÷ deposits | 82.7% | 74.4% (stronger) |
| Uninsured deposits | 7.9% | 6.4% (stronger) |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 15.0% |
PennCrest Bank has the higher TellerScore (76 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Community State Bank of Orbisonia leads on 2 and PennCrest Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.