CSB Bancorp Q3 net income up 20% to $4.99M ($1.90/sh); NIM 3.99%, nonperforming loans jump to 0.80% of loans

CSB Bancorp, Inc.

Net income $4,987,000, or $1.90 per diluted share, up 20% from $4,151,000 ($1.57) in Q3 2025; ROE 14.67% and ROA 1.50% vs 13.19% and 1.31%.
FTE net interest margin 3.99% vs 3.67%; net interest income rose $1.7M (+15%) on $81M (10%) average loan growth; efficiency ratio improved to 52.56% from 55.56%.
Nonperforming loans rose to $7.1M, or 0.80% of total loans, from $746K (0.09%) a year ago, tied to a single commercial relationship disclosed in Q2 2026; net charge-offs $83K.
Allowance for credit losses $14.1M, or 1.58% of loans, vs $8.7M/1.08%, driven by a $4M valuation allowance on one government-guaranteed relationship that remains performing.
Declared Q3 dividend of $0.45/share, a 2.3% annualized yield on the $77.04 Sept. 30 close; year-to-date net income a record $14,166,000, up 23%.

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