CSB Bancorp, Inc. (CSBB) Form 8-K — Oct 20, 2026
CSB Bancorp (OTC ID: CSBB) reported Q3 2026 net income of $4,987,000, or $1.90 per diluted share, up 20% from $4,151,000, or $1.57, in Q3 2025. Record year-to-date earnings reached $14,166,000, up 23% from the first nine months of 2025, on strong net interest income growth (+15%), a wider FTE net interest margin of 3.99% vs 3.67%, and balance sheet expansion — average loans up $81 million (10%) and deposits up $58 million (5%). Credit metrics showed mixed signals: the ACL rose to $14.1 million (1.58% of loans) and nonperforming loans jumped to $7.1 million (0.80% of loans), though management attributes the NPAs to a single well-secured commercial relationship and charge-offs remained low.
Key figures
- Eps
- 1.9
- Eps Beat
- $0.33 vs prior-year quarter EPS of $1.57
- Revenue
- 14721000
- Net Income
- 4987000
- Revenue Yoy
- 15% (total revenue $14.7M vs $12.8M)
- Total Assets
- 1310516000
- Cash Position
- 84658000
- Acl
- $14.1 million, or 1.58% of total loans, vs $8.7 million or 1.08%
- Roa
- 1.50%
- Roe
- 14.67%
- Ppnr
- $7.0 million, up 23% YoY
- Ytd Eps
- 5.39
- Net Income Yoy
- +20% from $4,151,000
- Prior Year Roa
- 1.31%
- Prior Year Roe
- 13.19%
- Ytd Net Income
- 14166000
- Efficiency Ratio
- 52.56% vs 55.56%
- Ytd Net Income Yoy
- +23% from $11,494,000
- Dividend Per Share
- 0.45
- Effective Tax Rate
- 20%
- Book Value Per Share
- 51.22
- Net Loan Charge Offs
- $83 thousand vs $11 thousand
- Shares Outstanding
- 2627015
- Average Loans Growth
- +$81 million, or 10% YoY
- Nonperforming Loans
- $7.1 million, or 0.80% of total loans, vs $746 thousand or 0.09%
- Shareholders Equity
- $135 million
- Average Deposit Growth
- +$58 million, or 5% YoY
- Fte Net Interest Margin
- 3.99% vs 3.67%
- Annualized Dividend Yield
- 2.3% based on $77.04 close
AI analysis
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