CSBB on OTC
CSB Bancorp, Inc.
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Last updated Oct 16, 2026.
Overview
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Debit Card brought in 42% of the revenue CSB Bancorp, Inc. broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2024 | 2025 |
|---|---|---|
| Debit Card | $2.1M | $2.2M |
| Deposit Account | $1.2M | $1.2M |
| Fiduciary and Trust | $1.2M | $1.1M |
| Credit Card | $643.0K | $670.0K |
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Loans, including fees | $46.8M | $41.5M |
| Taxable securities | $7.0M | $7.3M |
| Nontaxable securities | $293.0K | $342.0K |
| Other | $2.9M | $2.4M |
| Total interest and dividend income | $57.0M | $51.6M |
| Deposits | $14.4M | $14.4M |
| Short-term borrowings | $249.0K | $315.0K |
| Other borrowings | $21.0K | $29.0K |
| Total interest expense | $14.7M | $14.7M |
| NET INTEREST INCOME | $42.4M | $36.9M |
| Provision for credit loss expense - loans | $5.3M | $7.2M |
| Provision (recovery) for credit loss expense - off-balance sheet commitments | $72.0K | -$213.0K |
| Total provision for credit loss expense | $5.4M | $7.0M |
| NET INTEREST INCOME AFTER CREDIT LOSS EXPENSE | $37.0M | $29.8M |
| Gain on sale of loans, net | $285.0K | $281.0K |
| Earnings on bank owned life insurance | $943.0K | $814.0K |
| Unrealized gain on equity securities | $12.0K | $8.0K |
| Other income | $820.0K | $866.0K |
| Total noninterest income | $7.3M | $7.1M |
| Salaries and employee benefits | $15.9M | $13.6M |
| Occupancy expense | $1.4M | $1.2M |
| Equipment expense | $847.0K | $863.0K |
| Professional and director fees | $1.8M | $1.6M |
| Financial institutions tax | $918.0K | $864.0K |
| Marketing and public relations | $597.0K | $561.0K |
| Software expense | $1.8M | $1.7M |
| Debit card expense | $829.0K | $755.0K |
| FDIC insurance expense | $559.0K | $538.0K |
| Other expenses | $3.2M | $2.9M |
| Total noninterest expenses | $27.7M | $24.6M |
| INCOME BEFORE INCOME TAXES | $16.6M | $12.3M |
| Federal income tax provision | $3.2M | $2.3M |
| NET INCOME | $13.4M | $10.0M |
| Earnings per share basic | $5.07 | $3.76 |
| Earnings per share diluted | $5.07 | $3.76 |
| Weighted average shares outstanding basic | 2.6M shares | 2.7M shares |
| Weighted average shares outstanding diluted | 2.6M shares | 2.7M shares |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $17.7M | $21.3M | |
| Interest-earning deposits in other banks | $81.3M | $51.9M | |
| Federal funds sold | $247.0K | $352.0K | |
| Total cash and cash equivalents | $99.3M | $73.5M | |
| Available-for-sale, at fair value | $132.2M | $125.4M | |
| Held-to-maturity; fair value of $161,052 in 2025 and $172,603 in 2024 ($0 credit loss allowance for 2025 and 2024) | $183.1M | $204.3M | |
| Equity securities | $279.0K | $266.0K | |
| Restricted stock, at cost | $1.6M | $1.5M | |
| Total securities | $317.3M | $331.5M | |
| Loans held for sale | $213.0K | $283.0K | |
| Loans | $829.8M | $737.6M | |
| Less allowance for credit losses | $12.5M | $7.6M | $6.6M |
| Net loans | $817.3M | $730.0M | |
| Premises and equipment, net | $13.6M | $14.1M | |
| Goodwill | $4.7M | $4.7M | |
| Bank owned life insurance | $31.2M | $28.2M | |
| Accrued interest receivable and other assets | $9.1M | $9.1M | |
| TOTAL ASSETS | $1.3B | $1.2B | |
| Noninterest-bearing | $288.9M | $281.4M | |
| Interest-bearing | $839.0M | $763.5M | |
| Total deposits | $1.1B | $1.0B | |
| Short-term borrowings | $31.5M | $25.7M | |
| Other borrowings | $917.0K | $1.3M | |
| Allowance for credit losses on off-balance sheet commitments | $596.0K | $524.0K | |
| Accrued interest payable and other liabilities | $5.5M | $4.3M | |
| Total liabilities | $1.2B | $1.1B | |
| Common stock, $6.25 par value. Authorized 9,000,000 shares; issued 2,980,602 shares; and outstanding 2,627,015 shares in 2025 and 2,650,089 in 2024 | $18.6M | $18.6M | |
| Additional paid-in capital | $9.8M | $9.8M | |
| Retained earnings | $112.1M | $103.1M | |
| Treasury stock at cost: 353,587 shares in 2025, 330,513 shares in 2024 | -$9.3M | -$8.3M | |
| Accumulated other comprehensive loss | -$5.0M | -$8.4M | |
| Total shareholders equity | $126.3M | $114.8M | $107.9M |
| TOTAL LIABILITIES AND SHAREHOLDERS EQUITY | $1.3B | $1.2B | |
| Held-to-maturity, fair value | $161.1M | $172.6M | |
| Held-to-maturity, credit loss allowance | $0 | $0 | |
| Common stock, par value | $6.25 | $6.25 | |
| Common stock, authorized shares | 9.0M shares | 9.0M shares | |
| Common stock, shares issued | 3.0M shares | 3.0M shares | |
| Common stock, shares outstanding | 2.6M shares | 2.7M shares | |
| Treasury Stock, at cost | 353.6K shares | 330.5K shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Net income | $13.4M | $10.0M |
| Depreciation and amortization of premises, equipment and software | $941.0K | $941.0K |
| Deferred income tax expense | $909.0K | $118.0K |
| Provision for credit loss expense - loans | $5.3M | $7.2M |
| Gain on sale of loans, net | -$285.0K | -$281.0K |
| Security amortization, net of accretion | $527.0K | $677.0K |
| Secondary market loan sale proceeds | $9.1M | $9.0M |
| Originations of secondary market loans held-for-sale | -$8.8M | -$9.1M |
| Earnings on bank-owned life insurance | -$943.0K | -$814.0K |
| Net deferred loan fees | -$69.0K | -$222.0K |
| Accrued interest receivable | -$275.0K | -$105.0K |
| Accrued interest payable | -$27.0K | $100.0K |
| Other assets and liabilities | -$215.0K | -$1.9M |
| Net cash provided by operating activities | $19.5M | $15.7M |
| Proceeds from repayments, available-for-sale | $49.6M | $31.7M |
| Proceeds from repayments, held-to-maturity | $21.0M | $21.8M |
| Purchases, available-for-sale | -$52.4M | -$15.3M |
| Purchase of restricted stock | -$286.0K | |
| Redemption of restricted stock | $161.0K | $15.0K |
| Loan (originations) and payments, net | -$92.5M | -$42.3M |
| Purchases of premises and equipment | -$412.0K | -$2.0M |
| Purchases of software | -$14.0K | -$145.0K |
| Purchase of bank-owned life insurance | -$2.0M | -$2.0M |
| Net cash used in investing activities | -$76.9M | -$8.1M |
| Net change in deposits | $83.0M | $17.5M |
| Net change in short-term borrowings | $5.8M | -$10.2M |
| Repayment of other borrowings | -$349.0K | -$488.0K |
| Cash dividends paid | -$4.3M | -$4.2M |
| Purchase of treasury stock | -$999.0K | -$762.0K |
| Net cash provided by financing activities | $83.2M | $1.8M |
| NET INCREASE IN CASH AND CASH EQUIVALENTS | $25.8M | $9.4M |
| Interest | $14.7M | $14.6M |
| Income taxes | $3.5M | $2.8M |
Former names
- CSB BANCORP INC /OHNov 14, 1996 to Jan 26, 20232
Recent filings
- Sep 24, 20264
- Sep 10, 20264
- Sep 4, 20264
- Sep 4, 20264
- Aug 26, 20268-K
- Aug 13, 202610-Q
- Jul 31, 20264
- Jul 21, 20268-K
- Jun 24, 20264
- Jun 18, 202611-K
- May 14, 202610-Q
- May 4, 20264
- Apr 23, 20268-K
- Apr 20, 20268-K
- Mar 27, 20264
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
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