CSB Bancorp Q3 net income $2.9M ($1.06 EPS); NIM 2.77% vs 3.04%

CSB Bancorp, Inc.

2022-Q3 EPS reported $3.12

Net income $2.9M (+3.6% YoY); diluted EPS $1.06 vs $1.02.
ROE 11.79% (down from 12.19%) and ROA 1.03% (down from 1.14%).
Average loans fell $90M (-14% YoY), driven by $66M PPP decline; securities up 98%.
Credit quality improved: NPAs down to $1.3M (0.24% of loans) from $4.1M; $210K provision reversal.
Declared Q3 dividend $0.31/share (annualized yield 3.2%).

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