Community Savings Bank (Bethel, OH)
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Data as of · sourced from FFIEC call reports. How we update
Community Savings Bank is an FDIC-insured commercial bank headquartered in Bethel, OH, established in 1889 (FDIC certificate 32286), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $119.6M, up 6.7% from Q2 2025, the 121st largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.76% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 32286
- Headquarters
- Bethel, OH
- Established
- 1889
- Total assets, Q2 2026
- $119.6M
- Assets vs Q2 2025
- +6.7%
- Tier 1 leverage ratio, Q2 2026
- 14.76%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 242270698
- Latest call report
- Q2 2026, FFIEC 051 · Community Savings Bank call report
- Holding company
- CSB FINANCIAL INC.
- Asset rank in state
- 121st of 154 in Ohio
Community Savings Bank, based in Bethel, Ohio, reported $120 million in assets at June 30, 2026, up 6.7% from a year earlier. It shrank its loan book 3.4% over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also returns 4.2% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 3.4% and deposits rose 12.9%. Costs are the weak spot: it spends about 79 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Community Savings Bank reported a return on assets of 0.62%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.55%. The figures come from its call report filed with the FFIEC.
Community Savings Bank ranks as the 121st largest of the 154 banks based in Ohio, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 7.7% to $119.6M, loans rose 0.3% and deposits rose 13.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 49.0% of total loans, ahead of other consumer loans at 16.7%. The FDIC Summary of Deposits lists 2 offices for it, in Bethel, OH and Greenfield, OH; its Bethel office books 69% of its branch deposits. On its Q2 2026 call report, Community Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 503 W Plane St, Bethel, OH 45106
- County
- Clermont
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 6, 1889
- Former names
- The Bethel Building and Loan Company (1889-2010)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $95.0M
- Allowance for credit losses
- $439K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $109.4M
- Average total loans
- $92.2M
- Average interest-bearing deposits
- $78.6M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32286
- Fed RSSD
- 847979
- Website
- www.bankwith-csb.com →
- Parent Holding Company
- CSB FINANCIAL INC. (RSSD 6125099)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Community Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Community Savings Bank's total assets ran between $87.4M (Q3 2023) and $119.6M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$119.6M total assets against $112.1M; $103.6M total liabilities against $96.6M.
$91.9M net loans and leases against $95.2M; $95.0M total deposits against $84.2M.
$5.4M securities against $5.6M; $15.8M cash and balances due against $5.7M.
$1.5M total interest income against $1.5M; $586K total interest expense against $572K.
$938K net interest income against $881K.
$37K total noninterest income against $46K; $772K total noninterest expense against $720K.
$0 provision for credit losses against $13K.
$169K net income against $162K.
0.62% return on assets against 0.62%; 3.62% net interest margin against 3.47%.
14.76% tier 1 leverage ratio against 14.96%.
Inside the full Community Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity Savings Bank rankings
Its closest position to the top of a national ranking is 2,929 of 3,640, for Texas Ratio; its furthest is 3,196 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.65% (Q3 2024) to 0.62% (Q2 2025) and its net interest margin ran from 3.06% (Q4 2024) to 3.62% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.76% | 0.62% | 0.10% | 0.55% | 3.62% |
| Q1 2026 | 14.56% | 0.32% | 0.10% | 0.58% | 3.52% |
| Q4 2025 | 14.34% | 0.41% | 0.11% | 0.64% | 3.57% |
| Q3 2025 | 14.14% | 0.38% | 0.11% | 0.65% | 3.53% |
| Q2 2025 | 14.96% | 0.62% | 0.18% | 1.08% | 3.47% |
| Q1 2025 | 16.84% | 0.25% | 0.23% | 1.13% | 3.32% |
| Q4 2024 | 16.49% | 0.00% | 0.53% | 2.61% | 3.06% |
| Q3 2024 | 16.70% | -1.65% | 0.25% | 1.26% | 3.18% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Community Savings Bank (main office) | Bethel , OH | 45106 | $65.4M |
| Greenfield Branch | Greenfield , OH | 45123 | $29.5M |
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 |
|---|---|---|---|
| September 13, 2014 | Structure Change | Acquired The Home Building and Loan Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 12, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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.
- Deposit market share
- <0.1% of deposits in OH, rank 141 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community Savings Bank
What are Community Savings Bank's total assets?
As of the Q2 2026 filing, Community Savings Bank reported total assets of $119.6 million in its FFIEC call report.
Where is Community Savings Bank headquartered?
It is headquartered in Bethel, OH, United States.
When was Community Savings Bank founded?
It was established in 1889, per the FDIC institution directory.
Is Community Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #32286). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Savings Bank?
Community Savings Bank's primary federal regulator is the FDIC.
How many branches does Community Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Savings Bank's Texas Ratio?
Its Texas Ratio is 0.55% in its Q2 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 non-performing assets against the bank's capital and reserves.
What was Community Savings Bank previously called?
The charter now named Community Savings Bank has also operated as The Bethel Building and Loan Company (1889-2010), per FDIC structure-change records.
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