🏦Bank Scorer

COMMUNITY STATE BANK OF ORBISONIA

ORBISONIA, PA · Supervised by FDIC

Est. 1951FDIC #16,976RSSD: FDIC-16976
Part ofORBISONIA COMMUNITY BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: November 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.55%

Institution Profile

FDIC BankFind

Address

478 Ridgley St, ORBISONIA, PA

County

Huntingdon County

Established

January 11, 1951

Total Assets

$472M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$472M

Total Deposits

$423M

Net Loans

$351M

Net Income

$639K

ROA

0.55%

ROE

5.76%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate18.71%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$407M

1-Year Change

-1

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202441773.14%18.71%
202338679.79%10.36%
202255177.31%7.44%
202163382.62%6.64%
202037189.76%6.47%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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