CSB Bancorp Q4 net income falls 19% to $1.87M; EPS $0.71 vs $0.87; provisions rise on $4M commercial credit allowance

CSB Bancorp, Inc.

2025-FY EPS reported $5.07

Quarterly diluted EPS $0.71, down from $0.87; net income $1.87M vs $2.32M (YoY).
Provision for credit losses increased $1.6M, driven by $4M valuation allowance on one performing commercial loan.
Net interest income rose 19% to $6.1M PPNR; net interest margin expanded to 3.73% from 3.33%.
Nonperforming loans improved to 0.08% of loans from 0.23%; net charge-offs minimal at $26K.
Full year 2025 net income up 33% to $13.36M; ROE 10.94% vs 8.96% prior year.

This headline and bullets were generated automatically by deepseek-v4-flash:cloud@v2 from the public filing. Read the source on SEC.gov before relying on any specific claim. Not investment advice. See methodology for how this pipeline works.