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
Unfavorable gap of $21.2M · efficiency ratio beats 70% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.91% | 1.22% | 1.52% | Beats 70% | 97 / 328 | | |
| Return on Equity | 14.31% | 8.43% | 11.45% | 14.43% | Beats 74% | 86 / 328 | | |
| Net Interest Margin | 3.63% | 3.03% | 3.45% | 3.83% | Beats 64% | 117 / 328 | | |
| Efficiency Ratio | 52.99% | 51.61% | 59.56% | 67.53% | Beats 70% | 101 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.24% | 0.51% | 1.03% | Beats 32% | 219 / 322 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 79% | 70 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 15.30% | 11.75% | 13.15% | 15.47% | Beats 73% | 87 / 328 | | |
| Total Risk-Based Capital Ratio | 16.55% | 12.63% | 14.15% | 16.46% | Beats 76% | 78 / 328 | | |
| Equity / Assets | 10.11% | 9.15% | 10.33% | 12.01% | Beats 47% | 175 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.63% | 76.63% | 87.92% | 95.36% | 25th pctl | 243 / 323 | | |
| Loans / Assets | 67.13% | 65.18% | 74.15% | 79.98% | 29th pctl | 233 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |