---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-008779"
form_type: "8-K"
ticker: "CSBB"
cik: "0000880417"
company_name: "CSB Bancorp, Inc."
filed_at: "2025-01-24T23:59:59+00:00"
generated_at: "2026-05-27T12:38:08.551507+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# CSB Bancorp Q4 EPS $0.87 vs $1.38; credit provision up $2.1M on court liquidation

## Summary
- Net income $2.32M, down 37% from Q4 2023; diluted EPS $0.87.
- Credit loss provision expense increased $2.1M vs Q4 2023; $6.2M charged off on $7.1M commercial relationship in court liquidation.
- Nonperforming loans at 0.23% of total loans vs 0.06% a year ago.
- Net interest margin (FTE) 3.33% vs 3.36%; pre-provision net revenue up 8% to $5.1M.
- Quarterly dividend maintained at $0.40 per share (4.2% yield based on $38.30 close).

## SEC filing metadata
- accession: 0000950170-25-008779
- form_type: 8-K
- ticker: CSBB
- cik: 0000880417
- company_name: CSB Bancorp, Inc.
- filed_at: 2025-01-24T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/880417/000095017025008779/0000950170-25-008779-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/880417/000095017025008779/csbb-20250124.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-008779
- JSON: https://secwatch.observer/filing/0000950170-25-008779.json
- Plain text: https://secwatch.observer/filing/0000950170-25-008779.txt

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