The Commercial and Savings Bank of Millersburg, Ohio: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at The Commercial and Savings Bank of Millersburg, Ohio. The Millersburg, Ohio bank had $1.3 billion in assets at June 30, 2026, up 4.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.84% of loans from 0.17% a year earlier. It pays an average of 1.03% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 1.4 times its capital, lower than about three-quarters of banks its size (median 2.2 times).
Net income for the quarter rose 26% from a year earlier, to $4.8 million. Over the same year, loans grew 10.3% and deposits grew 4.1%. One more trend to watch: the commercial and industrial book ($136 million) is worsening: 1.38% of it is past due or on nonaccrual, up from 0.07% a year earlier.
As of June 30, 2026, The Commercial and Savings Bank of Millersburg, Ohio reported a CET1 capital ratio of 15.30%, a return on assets of 1.48%, a nonperforming-loan ratio of 0.84% and a Texas ratio of 5.22%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 91 N Clay St, Millersburg, OH 44654
- County
- Holmes
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1879
- Offices
- 16 domestic
- Employees (FTE)
- 185
- Domestic deposits
- $1.13B
- Allowance for credit losses
- $13.5M
- Net charge-offs (YTD)
- $35K
- Average total assets
- $1.29B
- Average total loans
- $862.3M
- Average interest-bearing deposits
- $1.07B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9139
- Fed RSSD
- 189129
- SEC CIK
- 880417 → filed by CSB BANCORP, INC.
- Website
- www.csb1.com →
- Parent Holding Company
- CSB BANCORP, INC. (RSSD 1967865) · CSBB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Eddie L Steiner | CEO | President & CEO |
| Brett A. Gallion | COO | EVP/COO/CIO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Commercial and Savings Bank of Millersburg, Ohio terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Commercial and Savings Bank of Millersburg, Ohio, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Commercial and Savings Bank of Millersburg, Ohio rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.30% | 1.48% | 0.84% | 5.22% | 3.91% |
| Q1 2026 | 15.21% | 1.44% | 0.12% | 0.75% | 3.82% |
| Q4 2025 | 15.22% | 0.60% | 0.08% | 0.49% | 3.77% |
| Q3 2025 | 15.39% | 1.34% | 0.09% | 0.58% | 3.71% |
| Q2 2025 | 15.18% | 1.24% | 0.17% | 1.09% | 3.60% |
| Q1 2025 | 15.34% | 1.24% | 0.21% | 1.32% | 3.43% |
| Q4 2024 | 15.22% | 0.78% | 0.23% | 1.46% | 3.35% |
| Q3 2024 | 15.35% | 1.06% | 0.47% | 2.89% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 16 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| South Clay Street Auto Branch | Millersburg , OH | 44654 | $149.9M |
| Sugarcreek Branch | Sugarcreek , OH | 44681 | $146.6M |
| Walnut Creek Branch | Walnut Creek , OH | 44687 | $121.0M |
| Wooster Downtown Branch | Wooster , OH | 44691 | $107.1M |
| Winesburg Branch | Winesburg , OH | 44690 | $97.2M |
| Milltown Financial Center Branch | Wooster , OH | 44691 | $86.8M |
| Charm Branch | Charm , OH | 44617 | $85.9M |
| Orrville High Street Banking Center Branch | Orrville , OH | 44667 | $70.4M |
| Berlin Branch | Berlin , OH | 44610 | $58.8M |
| North Canton Branch | North Canton , OH | 44720 | $48.1M |
| Shreve Branch | Shreve , OH | 44676 | $47.8M |
| Clinton Commons Branch | Millersburg , OH | 44654 | $41.4M |
| New Philadelphia Branch | New Philadelphia , OH | 44663 | $39.3M |
| 100 South Walnut Street Branch | Gnadenhutten , OH | 44629 | $19.6M |
| Bolivar Banking Center | Bolivar , OH | 44612 | $10.6M |
| The Commercial and Savings Bank of Millersburg, Ohio | Millersburg , OH | 44654 | $4.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2008 | Structure Change | Acquired Indian Village Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The Commercial and Savings Bank of Millersburg, Ohio, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- January 11, 2013, Federal Reserve: Civil Money Penalty, $3,410: THE COMMERCIAL & SAVINGS BANK, Millersburg, Ohio
- Period: Most recent institution action January 11, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OH, rank 34 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 240 applications, 212 loans originated, $54.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $5.5M approved, $1.9M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Commercial and Savings Bank of Millersburg, Ohio
What are The Commercial and Savings Bank of Millersburg, Ohio's total assets?
As of the Q2 2026 filing, The Commercial and Savings Bank of Millersburg, Ohio reported total assets of $1.30 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Commercial and Savings Bank of Millersburg, Ohio headquartered?
The Commercial and Savings Bank of Millersburg, Ohio is headquartered in Millersburg, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Commercial and Savings Bank of Millersburg, Ohio founded?
The Commercial and Savings Bank of Millersburg, Ohio was established in 1879, per the FDIC institution directory.
Is The Commercial and Savings Bank of Millersburg, Ohio FDIC-insured?
Yes. The Commercial and Savings Bank of Millersburg, Ohio is an FDIC-insured commercial bank (FDIC Certificate #9139). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Commercial and Savings Bank of Millersburg, Ohio?
The Commercial and Savings Bank of Millersburg, Ohio's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Commercial and Savings Bank of Millersburg, Ohio's CET1 capital ratio?
The Commercial and Savings Bank of Millersburg, Ohio reported a Common Equity Tier 1 (CET1) capital ratio of 15.30% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Commercial and Savings Bank of Millersburg, Ohio operate?
The Commercial and Savings Bank of Millersburg, Ohio operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Commercial and Savings Bank of Millersburg, Ohio's Texas Ratio?
The Commercial and Savings Bank of Millersburg, Ohio's Texas Ratio is 5.22% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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