COMMUNITY SAVINGS BANK

BETHEL, OH | Small | Est. April 6, 1889, midnight | FDIC #32286 | RSSD #847979 | FDIC
Latest Report: 2025-12-31

COMMUNITY SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in BETHEL, OH, established in April 6, 1889, midnight. As of 2025-12-31, the bank reported total assets of $110M and total deposits of $83M. Profitability stands at 0.46% ROA and 3.23% ROE, with a net interest margin of 3.69%. The bank's CET1 capital ratio is 14.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 0.64%. FDIC Certificate #32286.

Assets

$110M

Deposits

$83M

Loans

$93M

Equity

$16M

Profitability

Return on Assets (ROA) 0.46%
Return on Equity (ROE) 3.23%
Net Interest Margin (NIM) 3.69%
Yield on Assets 6.14%
Cost of Funds 2.81%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.64%
NPA Ratio 0.09%
ACL / Loans 0.47%

Capital & Liquidity

CET1 Ratio 14.29%
Tier 1 Capital 14.29%
Total Capital Ratio 15.01%
Leverage Ratio 14.34%
Loan-to-Deposit 112.39%

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