---
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"
generated_at: "2026-10-20T20:09:06.036843+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-426681
- JSON: https://secwatch.observer/filing/0001193125-26-426681.json
- Plain text: https://secwatch.observer/filing/0001193125-26-426681.txt

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