{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-027274","form_type":"8-K","ticker":"CSBB","cik":"0000880417","company_name":"CSB Bancorp, Inc.","filed_at":"2026-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.897186+00:00","generated_at":"2026-05-16T07:16:25.601546+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"CSB Bancorp Q4 net income falls 19% to $1.87M; EPS $0.71 vs $0.87; provisions rise on $4M commercial credit allowance","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-027274","json":"https://secwatch.observer/filing/0001193125-26-027274.json","markdown":"https://secwatch.observer/filing/0001193125-26-027274.md","text":"https://secwatch.observer/filing/0001193125-26-027274.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/880417/000119312526027274/0001193125-26-027274-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/880417/000119312526027274/csbb-20260128.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T07:16:25.601546+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}