---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-006481"
form_type: "8-K"
ticker: "CSBB"
cik: "0000880417"
company_name: "CSB Bancorp, Inc."
filed_at: "2024-01-23T23:59:59+00:00"
generated_at: "2026-06-06T20:23:34.502503+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# CSB Bancorp Q4 net income $3.7M, EPS $1.38; full-year earnings up 11%

## Summary
- Q4 net income $3.697M ($1.38 diluted EPS) vs $3.753M ($1.39) in Q4 2022; full-year net income $14.756M, up 11% from $13.313M.
- Loan balances grew 12% YoY; net interest margin (FTE) improved to 3.36% from 3.33%; efficiency ratio 56.7%.
- Nonperforming assets remained low at 0.06% of loans; net loan recoveries of $5K in Q4 vs net losses of $170K year ago.
- Dividend declared $0.38 per share (annualized yield ~4.0% based on $37.54 close).
- CEO noted improvements in ROA, ROE, NIM, and efficiency from Q3 to Q4 and full year.

## SEC filing metadata
- accession: 0000950170-24-006481
- form_type: 8-K
- ticker: CSBB
- cik: 0000880417
- company_name: CSB Bancorp, Inc.
- filed_at: 2024-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/880417/000095017024006481/0000950170-24-006481-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/880417/000095017024006481/csbb-20240123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-006481
- JSON: https://secwatch.observer/filing/0000950170-24-006481.json
- Plain text: https://secwatch.observer/filing/0000950170-24-006481.txt

## Key facts
- Earnings Releases
  CSB Bancorp, Inc. reported quarter ended December 31, 2023 results: net income $3,697,000, EPS $1.38 per basic and diluted share.
  - Period: quarter ended December 31, 2023
  - Net income: $3,697,000
  - EPS: $1.38 per basic and diluted share
  - Result: reported results
  source text: On January 23, 2024, CSB Bancorp, Inc. issued a news release announcing its earnings for the quarter ended December 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/880417/000095017024006481/0000950170-24-006481-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.