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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 $14.2MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $846.3M25%Noninterest $288.4MQ3 2024Q2 2026

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 1.50%, up 26 bps year over year; NIM at 3.69%.
  • 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.

Return on Assets (quarter, annualized)

1.50%+26 bps YoY

Net Interest Margin (quarter, annualized)

3.69%+31 bps YoY

Efficiency Ratio (quarter, annualized)

52.53%-328 bps YoY

Tier 1 Leverage Ratio

10.25%+25 bps YoY

NIM

4.26%Q2 ’244.54%Q2 ’254.78%Q2 ’26+11%+9%

Non-interest income vs. expense

1.95%Q2 ’242.20%Q2 ’252.25%Q2 ’26+20%+1%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%0.79%1.25%1.24%1.36%0.61%1.43%1.50%+26 bps
Return on Equity11.41%8.34%12.97%12.81%13.77%6.25%14.47%14.81%+201 bps
Net Interest Margin3.08%3.15%3.22%3.38%3.49%3.55%3.61%3.69%+31 bps
Efficiency Ratio57.69%53.99%55.44%55.81%55.13%53.41%53.46%52.53%-328 bps
Non-Interest Burden1.52%1.43%1.53%1.63%1.65%1.61%1.65%1.65%+2 bps
Growth
Asset Growth (YoY)4.55%1.08%5.40%6.07%3.24%8.51%3.85%4.63%-144 bps
Loan Growth (YoY)5.75%5.21%7.08%9.13%12.54%12.48%12.09%10.33%+120 bps
Deposit Growth (YoY)5.19%1.72%6.02%6.42%2.45%7.97%2.95%4.10%-232 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.23%0.21%0.17%0.09%0.08%0.12%0.84%+67 bps
Net Charge-Offs / Loans2.23%1.05%0.02%0.18%0.01%0.01%0.00%0.01%-17 bps
Allowance / Loans1.00%1.03%1.05%1.05%1.08%1.50%1.52%1.56%+51 bps
Allowance Coverage of NPLs2.1x4.5x5.0x6.1x11.7x19.1x12.7x1.9x-4.2x
Capital
Tier 1 Leverage Ratio9.76%9.68%9.98%9.99%9.97%9.75%10.12%10.25%+25 bps
Total Risk-Based Capital16.37%16.27%16.42%16.26%16.53%16.47%16.47%16.55%+29 bps
Equity / Assets9.44%9.57%9.64%9.74%9.94%9.68%10.10%10.11%+36 bps
Liquidity & Funding
Loans / Deposits67.23%70.59%71.06%72.30%73.85%73.54%77.37%76.63%+433 bps
Liquid Assets / Assets23.23%21.51%21.82%21.25%20.07%20.46%16.96%17.85%-340 bps
CRE / Total Capitaln/an/an/an/a304%311%309%n/an/a