---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-245118"
form_type: "8-K"
ticker: "CSBB"
cik: "0000880417"
company_name: "CSB Bancorp, Inc."
filed_at: "2025-10-21T23:59:59+00:00"
generated_at: "2026-05-17T03:09:52.893765+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# CSB Bancorp reports Q3 EPS $1.57, net income $4.15M, up 32% YoY; ROE 13.19%

## Summary
- 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.

## SEC filing metadata
- accession: 0001193125-25-245118
- form_type: 8-K
- ticker: CSBB
- cik: 0000880417
- company_name: CSB Bancorp, Inc.
- filed_at: 2025-10-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/880417/000119312525245118/0001193125-25-245118-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/880417/000119312525245118/csbb-20251021.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-245118
- JSON: https://secwatch.observer/filing/0001193125-25-245118.json
- Plain text: https://secwatch.observer/filing/0001193125-25-245118.txt

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