CSB Bancorp, Inc.
For the period ended Sep 30, 2025. Filed Nov 12, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 12, 2025
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Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Income
| Three Months Ended September 30, | Nine Months EndedSeptember 30, | |||
|---|---|---|---|---|
| (Dollars in thousands, except per share data) | 2025 | 2024 | 2025 | 2024 |
| INTEREST AND DIVIDEND INCOME | ||||
| Loans, including fees | $12,117 | $10,531 | $34,489 | $30,959 |
| Taxable securities | 1,695 | 1,782 | 5,168 | 5,489 |
| Nontaxable securities | 73 | 88 | 223 | 264 |
| Other | 829 | 789 | 2,043 | 1,537 |
| Total interest and dividend income | 14,714 | 13,190 | 41,923 | 38,249 |
| INTEREST EXPENSE | ||||
| Deposits | 3,715 | 3,898 | 10,757 | 10,687 |
| Short-term borrowings | 57 | 71 | 186 | 252 |
| Other borrowings | 4 | 7 | 16 | 23 |
| Total interest expense | 3,776 | 3,976 | 10,959 | 10,962 |
| NET INTEREST INCOME | 10,938 | 9,214 | 30,964 | 27,287 |
| CREDIT LOSS EXPENSE | ||||
| Provision for credit loss expense - loans | 480 | 645 | 1,527 | 4,945 |
| Provision for (recovery of) credit loss expense - off-balance sheet commitments | 21 | 55 | (10) | (204) |
| Total provision for credit loss expense | 501 | 700 | 1,517 | 4,741 |
| NET INTEREST INCOME AFTER CREDIT LOSS EXPENSE | 10,437 | 8,514 | 29,447 | 22,546 |
| NONINTEREST INCOME | ||||
| Service charges on deposit accounts | 310 | 301 | 902 | 872 |
| Trust services | 294 | 274 | 840 | 951 |
| Debit card interchange fees | 563 | 535 | 1,628 | 1,570 |
| Credit card fees | 182 | 162 | 483 | 484 |
| Gain on sale of loans, net | 65 | 106 | 195 | 215 |
| Earnings on bank owned life insurance | 229 | 203 | 674 | 585 |
| Unrealized (loss) gain on equity securities | (4) | 17 | 2 | (12) |
| Other income | 227 | 211 | 615 | 657 |
| Total noninterest income | 1,866 | 1,809 | 5,339 | 5,322 |
| NONINTEREST EXPENSES | ||||
| Salaries and employee benefits | 4,109 | 3,656 | 11,727 | 10,181 |
| Occupancy expense | 323 | 295 | 1,031 | 872 |
| Equipment expense | 200 | 224 | 629 | 649 |
| Professional and director fees | 502 | 391 | 1,307 | 1,160 |
| Financial institutions tax | 226 | 216 | 689 | 648 |
| Marketing and public relations | 155 | 162 | 414 | 432 |
| Software expense | 498 | 421 | 1,342 | 1,263 |
| Debit card expense | 208 | 186 | 617 | 568 |
| FDIC insurance expense | 135 | 132 | 420 | 396 |
| Other expenses | 777 | 739 | 2,316 | 2,209 |
| Total noninterest expenses | 7,133 | 6,422 | 20,492 | 18,378 |
| Income before income taxes | 5,170 | 3,901 | 14,294 | 9,490 |
| FEDERAL INCOME TAX PROVISION | 1,019 | 756 | 2,800 | 1,797 |
| NET INCOME | $4,151 | $3,145 | $11,494 | $7,693 |
| Basic and diluted net earnings per share | $1.57 | $1.18 | $4.35 | $2.89 |
See notes to unaudited consolidated financial statements
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