Earnings summaries and quarterly performance for CSB Bancorp.
Executive leadership at CSB Bancorp.
Board of directors at CSB Bancorp.
Research analysts covering CSB Bancorp.
Recent press releases and 8-K filings for CSBB.
CSB Bancorp, Inc. Announces Fourth Quarter and Full Year 2025 Earnings
CSBB
Earnings
Dividends
Demand Weakening
- CSB Bancorp, Inc. reported net income of $1,869,000 and diluted earnings per share of $0.71 for the fourth quarter ended December 31, 2025, a decrease from $2,319,000 and $0.87, respectively, in the same period of 2024.
- For the full year ended December 31, 2025, net income increased 33% to $13,363,000 or $5.07 per share, compared to $10,012,000 or $3.76 per share in 2024.
- The allowance for credit losses (ACL) rose to $12.5 million (1.50% of total loans) as of December 31, 2025, primarily due to a $4 million valuation allowance for one large commercial credit. Despite this, nonperforming loans decreased to $652 thousand (0.08% of total loans) from $1.7 million (0.23% of total loans) a year prior.
- Shareholders' equity increased 10% to $126 million by year-end 2025, and the company declared a fourth quarter dividend of $0.42 per share.
- The net interest margin (FTE) improved to 3.73% in Q4 2025 from 3.33% in Q4 2024, and the efficiency ratio decreased to 54.1% from 54.7% in the prior year quarter.
Jan 28, 2026, 9:25 PM
CSB Bancorp, Inc. Reports Fourth Quarter and Full Year 2025 Earnings
CSBB
Earnings
Revenue Acceleration/Inflection
Dividends
- CSB Bancorp, Inc. reported net income of $1,869,000 or $0.71 diluted EPS for Q4 2025, a decrease from Q4 2024's $2,319,000 or $0.87 diluted EPS.
- For the full year 2025, net income significantly increased by 33% to $13,363,000, resulting in $5.07 diluted EPS, up from $10,012,000 and $3.76 diluted EPS in 2024.
- Annualized return on average assets (ROA) for Q4 2025 was 0.58% and return on average common equity (ROE) was 5.83%, both lower than Q4 2024. However, full-year 2025 ROA and ROE improved to 1.08% and 10.94%, respectively, compared to 2024.
- The company experienced 12% growth in net loan balances for 2025, totaling $87 million, and shareholders' equity increased 10% to $126 million by year-end.
- Pre-Provision Net Revenue (PPNR) for Q4 2025 increased 19% to $6.1 million, and for the full year 2025, it rose 13% to $22 million. The allowance for credit losses also increased to $12.5 million (1.50% of total loans) as of December 31, 2025.
Jan 28, 2026, 9:15 PM
CSB Expands into Charleston Market
CSBB
New Projects/Investments
Hiring
Management Change
- Coastal States Bank (CSB) has announced its expansion into the Charleston market, continuing its growth in the Lowcountry region.
- To support this expansion, CSB has assembled a locally based commercial banking team in Charleston, led by Edward Vaughan as Charleston Market President, focusing on developing deposit and loan relationships through C&I lending, commercial real estate lending, and treasury management services for small and mid-sized businesses.
- This strategic investment follows CSB's initial public offering and listing on the New York Stock Exchange last July, and the bank currently holds approximately $2.3 billion in total assets.
Jan 19, 2026, 2:30 PM
CSB Bancorp, Inc. Reports Strong Third Quarter 2025 Earnings
CSBB
Earnings
Revenue Acceleration/Inflection
New Projects/Investments
- Net income for CSB Bancorp, Inc. increased to $4,151,000, or $1.57 per diluted share, for the third quarter ended September 30, 2025, up from $3,145,000, or $1.18 per diluted share, in the same period of 2024.
- Annualized Return on average assets (ROA) and Return on average common equity (ROE) improved to 1.31% and 13.19% respectively for Q3 2025, compared to 1.05% and 11.14% in Q3 2024.
- Net interest income (FTE) rose 19% to $10,968,000, with the net interest margin (FTE) expanding to 3.67% in Q3 2025 from 3.26% in Q3 2024.
- Total loan balances increased 10% since the beginning of the year, and nonperforming loans significantly decreased to $746,000, or 0.09% of total loans, as of September 30, 2025, down from $3.4 million, or 0.47% of total loans, a year prior.
Oct 21, 2025, 9:35 PM
CSB Bancorp, Inc. Reports Strong Third Quarter 2025 Earnings
CSBB
Earnings
Dividends
- Net income for the third quarter ended September 30, 2025, was $4,151,000, or $1.57 per diluted share, compared to $3,145,000, or $1.18 per diluted share, for the same period in 2024.
- Return on average assets (ROA) improved to 1.31% and Return on average common equity (ROE) to 13.19% for Q3 2025, up from 1.05% and 11.14% respectively, in Q3 2024.
- Net interest income increased by 19% and noninterest income increased by 3% in Q3 2025 compared to Q3 2024.
- Nonperforming loans significantly decreased to $746 thousand (0.09% of total loans) as of September 30, 2025, from $3.4 million (0.47% of total loans) a year prior.
- The company declared a third quarter dividend of $0.41 per share.
Oct 21, 2025, 8:11 PM
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