The Commercial and Savings Bank of Millersburg, Ohio
The Commercial and Savings Bank of Millersburg, Ohio is an FDIC-insured commercial bank headquartered in Millersburg, OH, supervised by the Federal Reserve, with $1.31B in total assets at Q3 2026, up 5.0% from Q3 2025, the 29th largest of 154 banks headquartered in Ohio. It was established in 1879 and holds FDIC certificate 9139. Its CET1 capital ratio was 15.46% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
BankRegReports is independent of The Commercial and Savings Bank of Millersburg, Ohio and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 9139
- Headquarters
- Millersburg, OH
- Established
- 1879
- Total assets, Q3 2026
- $1.31B
- Assets vs Q3 2025
- +5.0%
- CET1 ratio, Q3 2026
- 15.46%
- Domestic offices
- 16 branches
- Routing number
- 041206135
- Safety and soundness
- Is The Commercial and Savings Bank of Millersburg, Ohio safe?
- Latest call report
- Q3 2026, FFIEC 051 · The Commercial and Savings Bank of Millersburg, Ohio call report
- Holding company
- CSB BANCORP, INC.
- Asset rank in state
- 29th of 154 in Ohio
Problem loans are rising at The Commercial and Savings Bank of Millersburg, Ohio. Its balance sheet stood at $1.3 billion at September 30, 2026, up 5.0% from a year earlier; it is based in Millersburg, Ohio. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.80% of loans from 0.09% a year earlier. It pays an average of 1.06% on its deposits and borrowings, about half the median of 2.05% for the 887 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 2.3 times).
Unrealized losses on its securities total $36 million, equal to 27% of Tier 1 capital, against 23% a year earlier. Loans are outrunning deposits: over the year loans rose 10.3% and deposits rose 4.5%. One more trend to watch: the commercial and industrial book ($133 million) is worsening: 1.26% of it is past due or on nonaccrual, up from 0.07% a year earlier.
As of September 30, 2026, The Commercial and Savings Bank of Millersburg, Ohio reported a CET1 capital ratio of 15.46%, a return on assets of 1.51%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 5.02%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, The Commercial and Savings Bank of Millersburg, Ohio is the 29th largest of the 154 banks headquartered in Ohio. From Q2 2026 to Q3 2026, its total assets rose 1.2% to $1.31B, loans rose 2.8% and deposits rose 1.1%. Its loan book on September 30, 2026 was led by 1-4 family residential loans, at 34.4% of total loans, followed by owner-occupied commercial real estate loans at 24.3%. The FDIC Summary of Deposits lists 16 offices for it, in 13 cities in OH; its Millersburg 3 offices book 17% of its branch deposits. By the capital ratios in its Q3 2026 call report, The Commercial and Savings Bank of Millersburg, Ohio meets every capital ratio test for well capitalized.
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
- 1879
- Domestic offices
- 16 branches
- Employees (FTE)
- 189
- Domestic deposits
- $1.15B
- Allowance for credit losses
- $14.1M
- Net charge-offs (YTD)
- $118K
- Average total assets
- $1.33B
- Average total loans
- $883.6M
- Average interest-bearing deposits
- $1.10B
- 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
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Watch The Commercial and Savings Bank of Millersburg, Ohio: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, The Commercial and Savings Bank of Millersburg, Ohio's total assets ran between $1.16B (Q1 2024) and $1.31B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$1.31B total assets against $1.25B; $1.18B total liabilities against $1.12B.
$879.6M net loans and leases against $801.7M; $1.15B total deposits against $1.10B.
$282.8M securities against $305.8M; $84.7M cash and balances due against $80.8M.
$16.4M total interest income against $14.7M; $3.8M total interest expense against $3.8M.
$12.6M net interest income against $10.9M.
$2.1M total noninterest income against $1.9M; $7.7M total noninterest expense against $7.1M.
$759K provision for credit losses against $501K.
$5.0M net income against $4.2M.
1.51% return on assets against 1.34%; 4.02% net interest margin against 3.71%.
15.46% CET1 capital ratio against 15.39%; 10.21% tier 1 leverage ratio against 9.97%.
Inside the full The Commercial and Savings Bank of Millersburg, Ohio terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 839 of 4,193, for total assets; its furthest is 722 of 973, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.60% (Q4 2025) to 1.51% (Q3 2026) and its net interest margin ran from 3.35% (Q4 2024) to 4.02% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 15.46% | 1.51% | 0.80% | 5.02% | 4.02% |
| 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% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 184 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use and updated each quarter. It states no rating or capital category.
Similar banks
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 Q3 2026 filing, The Commercial and Savings Bank of Millersburg, Ohio reported total assets of $1.31 billion in its FFIEC call report.
Where is The Commercial and Savings Bank of Millersburg, Ohio headquartered?
It is headquartered in Millersburg, OH, United States.
When was The Commercial and Savings Bank of Millersburg, Ohio founded?
It was established in 1879, per the FDIC institution directory.
Is The Commercial and Savings Bank of Millersburg, Ohio FDIC-insured?
Yes. It 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.
What is The Commercial and Savings Bank of Millersburg, Ohio's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.46% in its Q3 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?
It 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?
Its Texas Ratio is 5.02% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
Go deeper on The Commercial and Savings Bank of Millersburg, Ohio.
Get an email when The Commercial and Savings Bank of Millersburg, Ohio files its next call report, and benchmark it against any peer you choose.
Unlock The Commercial and Savings Bank of Millersburg, Ohio, freeFree account