{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-426681","form_type":"8-K","ticker":"CSBB","cik":"0000880417","company_name":"CSB Bancorp, Inc.","filed_at":"2026-10-20T20:08:14+00:00","discovered_at":"2026-10-20T20:09:00.288345+00:00","generated_at":"2026-10-20T20:09:06.036843+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"CSB Bancorp Q3 net income up 20% to $4.99M ($1.90/sh); NIM 3.99%, nonperforming loans jump to 0.80% of loans","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-426681","json":"https://secwatch.observer/filing/0001193125-26-426681.json","markdown":"https://secwatch.observer/filing/0001193125-26-426681.md","text":"https://secwatch.observer/filing/0001193125-26-426681.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/880417/000119312526426681/0001193125-26-426681-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/880417/000119312526426681/csbb-20261020.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-20T20:09:06.036843+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"}