earnings
confidence high
sentiment positive
materiality 0.70
CSB Bancorp reports Q3 EPS $1.57, net income $4.15M, up 32% YoY; ROE 13.19%
CSB Bancorp, Inc.
2025-Q3 EPS reported
$4.35
- Net income $4.151M ($1.57 diluted EPS) vs $3.145M ($1.18) in Q3 2024; ROE 13.19%, ROA 1.31%.
- Pre-Provision Net Revenue $5.7M, up 23% YoY; net interest margin (FTE) expanded to 3.67% from 3.26%.
- Nonperforming loans fell to 0.09% of total loans from 0.47% YoY; net charge-offs only $11K in the quarter.
- Average loans up 11% YoY driven by commercial real estate and construction; dividend declared $0.41 per share.