Question 1

What is Community State Bank of Orbisonia?

Accepted Answer

Community State Bank of Orbisonia is a community-focused commercial bank serving rural central Pennsylvania. With approximately $447 million in total assets and $401 million in deposits, the bank operates eight branch locations across Huntingdon, Fulton, Bedford, and Franklin Counties.

As the only remaining locally owned and locally managed bank headquartered in Huntingdon County, Community State Bank specializes in relationship-based banking for individuals, families, and small businesses in rural communities.

Question 2

When was Community State Bank of Orbisonia founded?

Accepted Answer

Community State Bank of Orbisonia opened its doors on January 11, 1951 on Elliot Street in Orbisonia, Pennsylvania. At the end of its first day of operation, the bank held $121,537 in assets—a modest beginning that the institution proudly commemorates with the original ledger sheet still displayed in the bank today.

The bank was established to serve the financial needs of the rural communities in central Pennsylvania, and it has remained true to this mission for over seven decades.

Question 3

Where is Community State Bank of Orbisonia headquartered?

Accepted Answer

Community State Bank of Orbisonia is headquartered in Orbisonia, Pennsylvania, a small town in Huntingdon County in the rural central region of the state. The bank's main office is located at 478 Ridgley Street, Orbisonia, PA 17243.

The original bank building has been renovated and expanded several times over the decades and now includes an annex that houses the operations department.

Question 4

Where does Community State Bank of Orbisonia operate?

Accepted Answer

Community State Bank operates across four counties in rural central Pennsylvania through eight branch locations:

Huntingdon County: Orbisonia (headquarters), Mount Union (opened 1989), and Smithfield on Pennsylvania Avenue (opened 1995)

Fulton County: Waterfall (first branch, opened 1986), Three Springs (opened 2005), and McConnellsburg (opened 2009)

Bedford County: Saxton (opened 2001, designed to resemble a roundhouse honoring the area's railroad history)

Franklin County: St. Thomas (opened June 2020) and Mercersburg (opened September 2022)

The bank serves the Huntingdon micropolitan area and surrounding rural communities throughout south-central Pennsylvania.

Question 5

What services does Community State Bank of Orbisonia offer?

Accepted Answer

Community State Bank provides comprehensive personal and business banking services tailored to rural community needs:

Personal Banking: Checking and savings accounts, certificates of deposit (CDs), consumer loans, auto financing, mortgage lending, and home equity loans. The bank also facilitates access to the PA Forward Student Loan Program through the Pennsylvania Higher Education Assistance Agency (PHEAA).

Business Banking: Commercial lending, business checking and savings accounts, cash management services, and business loans designed to support local enterprises and agricultural operations.

Digital Banking: The bank offers a mobile banking app called "CSB On The Go" featuring mobile check deposit, account management, bill pay, and Zelle for peer-to-peer payments. Online banking provides 24/7 access to accounts, transaction history, and fund transfers.

Additional Services: ATM network access, competitive deposit rates, and a library of educational how-to videos for customers.

Question 6

What makes Community State Bank of Orbisonia unique?

Accepted Answer

Community State Bank distinguishes itself through its deep commitment to rural community reinvestment and local ownership. The bank reinvests at least 4% of its net income annually back into the communities it serves—an exceptional commitment that addresses the unique challenges of rural area economic development.

As the only remaining locally owned and locally managed bank headquartered in Huntingdon County, the institution maintains true community banking principles in an era of consolidation. The bank is wholly owned by Orbisonia Community Bancorp, Inc., a Pennsylvania-registered bank holding company with privately held stock.

The bank's motto—"Enriching Lives & Elevating Communities"—reflects its relationship-based banking philosophy. With over 73 years serving generations of families and farms, Community State Bank has built lasting partnerships with customers, many spanning multiple decades.

Question 7

What type of financial institution is Community State Bank of Orbisonia?

Accepted Answer

Community State Bank of Orbisonia is a commercial bank operating under a state charter. The institution is supervised by the Federal Deposit Insurance Corporation (FDIC) and is not a member of the Federal Reserve System.

As a community bank, it focuses on relationship-based banking rather than transactional services, emphasizing personalized customer service and understanding the specific needs of rural communities. The bank specializes in mortgage lending and serves both retail and commercial customers across its geographic footprint.

The institution operates as the wholly-owned subsidiary of Orbisonia Community Bancorp, Inc., maintaining its independence as a locally controlled community banking organization.

Community State Bank of Orbisonia

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About Community State Bank of Orbisonia in the United States