secwatch.observer — SEC 8-K summary
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Issuer:     CSB Bancorp, Inc. (CSBB)
CIK:        0000880417
Form:       8-K
Filed at:   2026-01-28T23:59:59+00:00
Accession:  0001193125-26-027274
Event type: earnings
Sentiment:  negative
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/880417/000119312526027274/0001193125-26-027274-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/880417/000119312526027274/csbb-20260128.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-027274

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer