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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

$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