---
schema_version: "secwatch.filing_event.v1"
accession: "0001564590-22-002462"
form_type: "8-K"
ticker: "CSBB"
cik: "0000880417"
company_name: "CSB Bancorp, Inc."
filed_at: "2022-01-26T23:59:59+00:00"
generated_at: "2026-06-27T15:41:44.635229+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# CSB Bancorp Q4 net income falls to $2.3M, EPS $0.85 from $0.97 YoY

## Summary
- Net income $2,306,000 ($0.85 diluted EPS) vs $2,679,000 ($0.97) in Q4 2020.
- Net interest margin narrowed to 2.48% from 2.85%; no loan loss provision vs $378K provision.
- Noninterest income fell 12% on 64% drop in mortgage gain on sale; efficiency ratio rose to 66.4%.
- Nonperforming assets decreased to $1.1M (0.20% of loans) from $4.5M a year ago.
- Quarterly dividend maintained at $0.31 per share; annualized yield 3.3% based on $37.75 close.

## SEC filing metadata
- accession: 0001564590-22-002462
- form_type: 8-K
- ticker: CSBB
- cik: 0000880417
- company_name: CSB Bancorp, Inc.
- filed_at: 2022-01-26T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/880417/000156459022002462/0001564590-22-002462-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/880417/000156459022002462/csbb-8k_20220126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-22-002462
- JSON: https://secwatch.observer/filing/0001564590-22-002462.json
- Plain text: https://secwatch.observer/filing/0001564590-22-002462.txt

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