President's Message

March 30, 2018

Dear Shareholder:

As I look back and reflect on this past year, I take great pride in being part of the only community bank that is based in Huntingdon County, servicing it along with the surrounding counties within our market area.  Being part of our communities is what makes us different from other banks, bigger banks.  We love to help a young couple buy their first home, get someone started in a new business, support the young people through sports and educational activities, help our senior citizens, basically doing whatever we can, any way we can. 

With that being said, I am sure that is why our assets grew from $323 million in 2016 to over $327 million in 2017.  During the same time, our earnings per share went from $2.89 to $3.00, even with a last minute tax adjustment due to the tax reform bill being signed at the end of the year.  Our loan demand was very strong this past year with over $13 million in loan growth.

During this past year we have completed our physical security upgrade at all of our offices.  We have installed state of the art cameras and monitoring systems to insure the safety of all of our employees and customers, along with the safety of your assets. 

As I mentioned last year, we have introduced the addition of CSB Investment Services.  As of yearend, our financial advisor, Chris Corcoran, has invested over $16 million for our customers.  If you haven’t had the opportunity to meet Chris yet, I would suggest you take some time and do so.  I’m certain that you will find it beneficial.  

Looking to the future, interest rates have started upward, loan demand is continuing, deposits have started to grow again and income is looking promising.  We are constantly reviewing our market area and looking for opportunities and areas to grow into.  I feel that the future is looking bright and I am looking forward to all of the new challenges that it will bring.

I would like to take this opportunity to thank you for your continued support and interest in Orbisonia Community Bancorp, Inc., and its subsidiary, Community State Bank of Orbisonia.  It is the dedication of our directors, employees, customers and you, the shareholders that allows us to remain a leader among community banks.


Trudy K. Everhart
President/Chief Executive Officer