Millersburg, OH · Cert 9139 · CSB Bcorp Inc.
State charter, Fed member · FED · 16 branches
Q2 2026
Market Position · Canton-Massillon, OH · 2026 SOD (annual) · 0.4% share · #14 of 18 inst. · $0.0B of $10.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.87% | 1.25% | 1.24% | 1.28% | 1.11% | 1.43% | 1.46% | +21 bps | |
| Return on Equity | 9.63% | 9.31% | 12.97% | 12.89% | 13.19% | 11.41% | 14.47% | 14.64% | +175 bps | |
| Net Interest Margin | 3.04% | 3.03% | 3.22% | 3.27% | 3.29% | 3.29% | 3.61% | 3.63% | +36 bps | |
| Efficiency Ratio | 55.41% | 55.04% | 55.44% | 55.63% | 55.45% | 54.90% | 53.46% | 52.99% | -264 bps | |
| Non-Interest Burden | 1.41% | 1.40% | 1.53% | 1.56% | 1.57% | 1.55% | 1.65% | 1.64% | +8 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 / Loans | 0.47% | 0.23% | 0.21% | 0.17% | 0.09% | 0.08% | 0.12% | 0.84% | +67 bps | |
| Net Charge-Offs / Loans | 0.80% | 0.85% | 0.02% | 0.10% | 0.07% | 0.05% | 0.00% | 0.01% | -9 bps | |
| Allowance / Loans | 1.00% | 1.03% | 1.05% | 1.05% | 1.08% | 1.50% | 1.52% | 1.56% | +51 bps | |
| Allowance Coverage of NPLs | 2.1x | 4.5x | 5.0x | 6.1x | 11.7x | 19.1x | 12.7x | 1.9x | -4.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.76% | 9.68% | 9.98% | 9.99% | 9.97% | 9.75% | 10.12% | 10.25% | +25 bps | |
| Total Risk-Based Capital | 16.37% | 16.27% | 16.42% | 16.26% | 16.53% | 16.47% | 16.47% | 16.55% | +29 bps | |
| Equity / Assets | 9.44% | 9.57% | 9.64% | 9.74% | 9.94% | 9.68% | 10.10% | 10.11% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.23% | 70.59% | 71.06% | 72.30% | 73.85% | 73.54% | 77.37% | 76.63% | +433 bps | |
| Liquid Assets / Assets | 23.23% | 21.51% | 21.82% | 21.25% | 20.07% | 20.46% | 16.96% | 17.85% | -340 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 304% | 311% | 309% | n/a | n/a | |