Bank · FDIC insured
Community State Bank
A $473.5M bank headquartered in Orbisonia, PA, with 7 branches in Pennsylvania. Best rates: CDs 4.02% and savings 2.32% APY.
Community State Bank Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#1 of 7 in Huntingdon, PA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Community State Bank
Community State Bank of Orbisonia opened its doors on Elliot Street in Orbisonia on January 11, 1951.
The bank is a wholly-owned subsidiary of Orbisonia Community Bancorp, Inc. and is the only remaining locally owned, locally-managed bank headquartered in Huntingdon County.
It operates nine locations across Huntingdon, Fulton, Bedford, and Franklin Counties in Pennsylvania.
- Headquarters
- 478 Ridgley St, Orbisonia, PA 17243
- FDIC certificate
- 16976 ↗
Branches
7 branches in Pennsylvania
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Pennsylvania
7 branches
Huntingdon area · 4
- Community State Bank of OrbisoniaMain office478 Ridgley St, Orbisonia, PA 17243Directions
- Huntingdon Branch50 Pennsylvania Ave, Huntingdon, PA 16652Directions
- Mount Union Branch111 E Shirley St, Mount Union, PA 17066Directions
- Three Springs Branch21236 Church St, Three Springs, PA 17264Directions
McConnellsburg area · 1
- Mc Connellsburg Branch415 Fulton Dr, McConnellsburg, PA 17233Directions
Chambersburg area · 1
- Mercersburg Branch Office454 Loudon Rd., Mercersburg, PA 17236Directions
Saxton area · 1
- Saxton Branch620 Main St, Saxton, PA 16678Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.99% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.49% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.64% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $83 | $81 | — |
- CapitalLeverage ratio9.99%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.49%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.64%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$83Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Community State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.