The Commercial and Savings Bank of Millersburg, Ohio: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 730.28 percentage points lower than in Q1 2026, at 166.95%. Within Ohio, The Commercial and Savings Bank of Millersburg, Ohio is 28th of 156 on return on assets, 1.48% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. The Commercial and Savings Bank of Millersburg, Ohio sits 0.21 points higher, at 1.48% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.30% |
| Tier 1 risk-based capital ratio | 15.30% |
| Total risk-based capital ratio | 16.55% |
| Tier 1 leverage ratio | 10.25% |
| Equity capital to assets | 10.11% |
| Tangible equity to tangible assets | 9.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.93% |
| Non-performing assets ratio | 0.63% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 5.80% |
| Allowance for credit losses to loans | 1.56% |
| Reserve coverage of non-performing loans | 166.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.48% |
| Return on equity | 14.81% |
| Net interest margin | 3.91% |
| Efficiency ratio | 52.43% |
| Yield on earning assets | 5.07% |
| Cost of funds | 1.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.63% |
| Core deposits to total deposits | 91.82% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.61% |
| Securities to assets | 22.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.05% | 15.05% | 16.03% | 9.41% | 1.20% |
| Q4 2023 | 15.19% | 15.19% | 16.17% | 9.54% | 1.27% |
| Q1 2024 | 15.32% | 15.32% | 16.45% | 9.80% | 1.04% |
| Q2 2024 | 15.14% | 15.14% | 16.40% | 9.83% | 0.58% |
| Q3 2024 | 15.35% | 15.35% | 16.37% | 9.76% | 1.06% |
| Q4 2024 | 15.22% | 15.22% | 16.27% | 9.68% | 0.78% |
| Q1 2025 | 15.34% | 15.34% | 16.42% | 9.98% | 1.24% |
| Q2 2025 | 15.18% | 15.18% | 16.26% | 9.99% | 1.24% |
| Q3 2025 | 15.39% | 15.39% | 16.53% | 9.97% | 1.34% |
| Q4 2025 | 15.22% | 15.22% | 16.47% | 9.75% | 0.60% |
| Q1 2026 | 15.21% | 15.21% | 16.47% | 10.12% | 1.44% |
| Q2 2026 | 15.30% | 15.30% | 16.55% | 10.25% | 1.48% |
The Commercial and Savings Bank of Millersburg, Ohio vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Commercial and Savings Bank of Millersburg, Ohio, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Commercial and Savings Bank of Millersburg, Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9139) · FFIEC NIC profile (RSSD 189129)