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Commercial and Savings Bank of Millersburg, Ohio, The

Millersburg, OH · Cert 9139 · CSB Bcorp Inc.

State charter, Fed member · FED · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

70

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Commercial and Savings Bank of Millersburg, Ohio, The

Millersburg, OH · Cert 9139 · CSB Bcorp Inc.

State charter, Fed member · FED · 16 branches

Q2 2026

$1.3BAssets
$869.5MLoans
$1.1BDeposits
$130.9MEquity
Loan mix
83%RE $703.8M15%C&I $130.0M2%Consumer $14.2MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $846.3M25%Noninterest $288.4MQ2 2025Q2 2026

NIM

4.27%Q2 ’244.43%Q2 ’254.71%Q2 ’26+6%+11%

Non-interest income vs. expense

2.00%Q2 ’242.13%Q2 ’252.23%Q2 ’26+12%+5%

Market Position · Canton-Massillon, OH · 2026 SOD (annual) · 0.4% share · #14 of 18 inst. · $0.0B of $10.7B

38.5% Holmes
10.1% Wayne
9.3% Tuscarawas
0.5% Stark

Executive Summary

  • Earnings: ROA of 1.46%, up 21 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.84% of loans (+67 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.25%, up 25 bps from a year ago.
  • Funding: loans stand at 76.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.46%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+36 bps YoY

Efficiency Ratio (YTD, annualized)

52.99%-264 bps YoY

Tier 1 Leverage Ratio

10.25%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.28%1.11%1.43%1.46%+21 bps
Return on Equity12.89%13.19%11.41%14.47%14.64%+175 bps
Net Interest Margin3.27%3.29%3.29%3.61%3.63%+36 bps
Efficiency Ratio55.63%55.45%54.90%53.46%52.99%-264 bps
Non-Interest Burden1.56%1.57%1.55%1.65%1.64%+8 bps
Growth
Asset Growth (YoY)6.07%3.24%8.51%3.85%4.63%-144 bps
Loan Growth (YoY)9.13%12.54%12.48%12.09%10.33%+120 bps
Deposit Growth (YoY)6.42%2.45%7.97%2.95%4.10%-232 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.09%0.08%0.12%0.84%+67 bps
Net Charge-Offs / Loans0.10%0.07%0.05%0.00%0.01%-9 bps
Allowance / Loans1.05%1.08%1.50%1.52%1.56%+51 bps
Allowance Coverage of NPLs6.1x11.7x19.1x12.7x1.9x-4.2x
Capital
Tier 1 Leverage Ratio9.99%9.97%9.75%10.12%10.25%+25 bps
Total Risk-Based Capital16.26%16.53%16.47%16.47%16.55%+29 bps
Equity / Assets9.74%9.94%9.68%10.10%10.11%+36 bps
Liquidity & Funding
Loans / Deposits72.30%73.85%73.54%77.37%76.63%+433 bps
Liquid Assets / Assets21.25%20.07%20.46%16.96%17.85%-340 bps
CRE / Total Capitaln/a304%311%309%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Commercial and Savings Bank of Millersburg, Ohio, The

Millersburg, OH · Cert 9139 · Peer group: banks $1B-$10B in assets (n=322-328) · CSB Bcorp Inc.

State charter, Fed member · FED · 16 branches

Q2 2026

$1.3BAssets
$869.5MLoans
$1.1BDeposits
$130.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 79% of banks $1B-$10B in assets (rank 70 of 322).
  • Widest gap: nonperforming loans / loans trails 68% of banks $1B-$10B in assets (rank 219 of 322).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.45%

Rank 97 of 328

Net Interest Margin

3.63%

Rank 117 of 328

Efficiency Ratio

52.99%

Rank 101 of 328

Equity / Assets

10.11%

Rank 175 of 328

Non-interest income vs. expense

$7.6M$28.7MINCOMEEXPENSE
Unfavorable gap of $21.2M · efficiency ratio beats 70% of banks $1B-$10B in assets
Bank 52.99%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.45%0.91%1.22%1.52%Beats 70%97 / 328
Return on Equity14.31%8.43%11.45%14.43%Beats 74%86 / 328
Net Interest Margin3.63%3.03%3.45%3.83%Beats 64%117 / 328
Efficiency Ratio52.99%51.61%59.56%67.53%Beats 70%101 / 328
Asset Quality
Nonperforming Loans / Loans0.84%0.24%0.51%1.03%Beats 32%219 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 79%70 / 322
Capital
Tier 1 Capital Ratio15.30%11.75%13.15%15.47%Beats 73%87 / 328
Total Risk-Based Capital Ratio16.55%12.63%14.15%16.46%Beats 76%78 / 328
Equity / Assets10.11%9.15%10.33%12.01%Beats 47%175 / 328
Liquidity & Funding
Loans / Deposits76.63%76.63%87.92%95.36%25th pctl243 / 323
Loans / Assets67.13%65.18%74.15%79.98%29th pctl233 / 328
Brokered Deposits / Depositsn/aNot reported for this institution