---
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"
generated_at: "2026-05-16T07:16:25.601546+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-027274
- JSON: https://secwatch.observer/filing/0001193125-26-027274.json
- Plain text: https://secwatch.observer/filing/0001193125-26-027274.txt

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