The Commercial and Savings Bank of Millersburg, Ohio

Millersburg, OH

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	The Commercial and Savings Bank of Millersburg, Ohio Millersburg, OH	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	8.00
Capitalization Index	6.70
Liquidity Index	3.00
Profitability Index	6.30
Stability Index	7.60

Company Info	The Commercial and Savings Bank of Millersburg, Ohio Millersburg, OH	Click to Compare	Click to Compare	Click to Compare
FDIC Number	9139
Phone Number	(330) 674-9015
Website	www.csb1.com

Asset Quality	The Commercial and Savings Bank of Millersburg, Ohio Millersburg, OH	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	3.24%
5-Year Asset Growth	9.10%
5-Year Charge-Offs to Average Loans	0.18%
Charge-Offs to Average Loans	0.07%
Non-Performing Assets to Assets	0.10%
Non-Performing Loans to Capital	0.56%
Non-Performing Loans to Loans	0.15%

Balance Sheet	The Commercial and Savings Bank of Millersburg, Ohio Millersburg, OH	Click to Compare	Click to Compare	Click to Compare
Total Assets	1.25B
Total Deposits	1.10B

Capital and Reserves	The Commercial and Savings Bank of Millersburg, Ohio Millersburg, OH	Click to Compare	Click to Compare	Click to Compare
Capital	124.04M
Leverage Ratio	9.97
Loan Loss Reserves to Loans	1.08%
Risk-Based Capital Ratio	16.53

Liquidity	The Commercial and Savings Bank of Millersburg, Ohio Millersburg, OH	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	14.36%
Liquidity Ratio	22.93%

Profitability	The Commercial and Savings Bank of Millersburg, Ohio Millersburg, OH	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.10%
Net Income	11.78M
Net Interest Spread	3.58%
Operating Profit to Average Assets	1.59%
Overhead Efficiency Ratio	55.45%
Return on Assets	1.28%
Return on Equity	13.19%