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CSBB on OTC

CSB Bancorp, Inc.

CSB Bancorp, Inc. is an American state commercial bank based in Chelsea, incorporated in Ohio.2 Its shares trade on OTC under the symbol CSBB.2

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Last updated Oct 21, 2026.

Overview

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  • TickerCSBB on OTC2
  • IndustryState Commercial Banks2
  • HeadquartersChelsea, United States2
  • Incorporated inOH3
  • Business address91 North Clay St, Millersburg, Oh 446543
  • Filer categoryNon-accelerated filer, Smaller reporting company3
  • Legal formCorporation (For-Profit)2
  • LEI254900FR7KYE3QFAIX502
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressC/O JOANNE K RAU, 48118 Chelsea, United States2
  • Registered withCorporations Division (Department of Licensing and Regulatory Affairs), 8006355732

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Other factors not currently anticipated may also materially and adversely affect the Company’s business, financial condition, results of operations, or cash flows. There can be no assurance that future results will meet expectations. While the Company believes that the forward-looking statements in this Annual Report on Form 10-K are reasonable, the reader should not place undue reliance on any forward-looking statement. In addition, these statements speak only as of the date made. The Company does not undertake, and expressly disclaims, any obligation to update or alter any statements whether as a result of new information, future events, or otherwise, except as may be required by applicable law.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Debit Card brought in 42% of the revenue CSB Bancorp, Inc. broke down this way in fiscal 2025.

  1. Debit Card$2.2M542%up 4% from 2024
  2. Deposit Account$1.2M523%up 5% from 2024
  3. Fiduciary and Trust$1.1M522%down 6% from 2024
  4. Credit Card$670.0K513%up 4% from 2024
Products and services by year
Products and services20242025
Debit Card$2.1M$2.2M
Deposit Account$1.2M$1.2M
Fiduciary and Trust$1.2M$1.1M
Credit Card$643.0K$670.0K

Financial statements

Net income67895$13.4M in 2025+28% since 2019
0$5.0M$10.0M$15.0M2019: $10.4M$10.4M20192020: $10.6M$10.6M2020+1%2021: $10.8M$10.8M2021+3%2022: $13.3M$13.3M2022+23%2023: $14.8M$14.8M2023+11%2024: $10.0M$10.0M2024−32%2025: $13.4M$13.4M2025+33%

Every line of the income statement as filed: the last 2 fiscal years, latest first.5

Period ending2025-12-312024-12-31
Loans, including fees$46.8M$41.5M
Taxable securities$7.0M$7.3M
Nontaxable securities$293.0K$342.0K
Other$2.9M$2.4M
Total interest and dividend income$57.0M$51.6M
Deposits$14.4M$14.4M
Short-term borrowings$249.0K$315.0K
Other borrowings$21.0K$29.0K
Total interest expense$14.7M$14.7M
NET INTEREST INCOME$42.4M$36.9M
Provision for credit loss expense - loans$5.3M$7.2M
Provision (recovery) for credit loss expense - off-balance sheet commitments$72.0K-$213.0K
Total provision for credit loss expense$5.4M$7.0M
NET INTEREST INCOME AFTER CREDIT LOSS EXPENSE$37.0M$29.8M
Gain on sale of loans, net$285.0K$281.0K
Earnings on bank owned life insurance$943.0K$814.0K
Unrealized gain on equity securities$12.0K$8.0K
Other income$820.0K$866.0K
Total noninterest income$7.3M$7.1M
Salaries and employee benefits$15.9M$13.6M
Occupancy expense$1.4M$1.2M
Equipment expense$847.0K$863.0K
Professional and director fees$1.8M$1.6M
Financial institutions tax$918.0K$864.0K
Marketing and public relations$597.0K$561.0K
Software expense$1.8M$1.7M
Debit card expense$829.0K$755.0K
FDIC insurance expense$559.0K$538.0K
Other expenses$3.2M$2.9M
Total noninterest expenses$27.7M$24.6M
INCOME BEFORE INCOME TAXES$16.6M$12.3M
Federal income tax provision$3.2M$2.3M
NET INCOME$13.4M$10.0M
Earnings per share basic$5.07$3.76
Earnings per share diluted$5.07$3.76
Weighted average shares outstanding basic2.6M shares2.7M shares
Weighted average shares outstanding diluted2.6M shares2.7M shares

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Corporate structure

CSB Bancorp, Inc. sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

  • CSB Bancorp, Inc. Chelsea, Michigan, United States
    • Chelsea State Bank Subsidiary · Chelsea, Michigan, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0). Each entity in the chart links to its source.

What it owns

What CSB Bancorp, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$25.9M5 Dec 31, 2025$26.1M5 Dec 31, 2024−0.9%
Accumulated depreciation$12.3M5 Dec 31, 2025$12.1M5 Dec 31, 2024+2.2%
Property and equipment, net$13.6M5 Dec 31, 2025$14.1M5 Dec 31, 2024−3.5%
Operating-lease assets (leased space)$256.0K5 Dec 31, 2025$203.0K5 Dec 31, 2024+26.1%

Real estate and locations

ItemLatestA year beforeChange
Real estate properties05 Dec 31, 202505 Dec 31, 2024

Investments

ItemLatestA year beforeChange
Debt securities available for sale$132.2M5 Dec 31, 2025$125.4M5 Dec 31, 2024+5.4%
Debt securities held to maturity$183.1M5 Dec 31, 2025$204.3M5 Dec 31, 2024−10.4%
Equity securities at fair value$279.0K5 Dec 31, 2025$266.0K5 Dec 31, 2024+4.9%
Deposits held (banks)$1.1B5 Dec 31, 2025$1.0B5 Dec 31, 2024+7.9%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$4.7M5 Dec 31, 2025$4.7M5 Dec 31, 20240%

Properties, in its own words

The Bank operates sixteen banking centers, and a loan production office in Medina, Ohio, as noted below:

Location · Address · Owned · Leased

The rest of Item 2

Walnut Creek · 4980 Old Pump Street, Walnut Creek, Ohio 44687 · X

Winesburg · 2225 U.S. 62, Winesburg, Ohio 44690 · X

Sugarcreek · 127 South Broadway, Sugarcreek, Ohio 44681 · X

Charm · 4440 C.R. 70, Charm, Ohio 44617 · X

Clinton Commons · 2102 Glen Drive, Millersburg, Ohio 44654 · X

Berlin · 4587 S.R. 39 Suite B, Berlin, Ohio 44610 · X

South Clay · 91 South Clay Street, Millersburg, Ohio 44654 · X

Shreve · 333 West South Street, Shreve, Ohio 44676 · X

Orrville · 119 West High Street, Orrville, Ohio 44667 · X

Gnadenhutten · 100 South Walnut Street, Gnadenhutten, Ohio 44629 · X

New Philadelphia · 635 West High Avenue, New Philadelphia, Ohio 44663 · X

North Canton · 600 South Main Street, North Canton, Ohio 44720 · X

Bolivar · 11113 Fairoaks Road NE, Bolivar, Ohio 44612 · X

Wooster · 350 East Liberty Street, Wooster, Ohio 44691 · X

Wooster · 3562 Commerce Parkway, Wooster, Ohio 44691 · X

Medina · 23 Public Square, Suite 200, Medina, Ohio 44256 · X

Operations Center · 91 North Clay Street, Millersburg, Ohio 44654 · X

The Bank considers its physical properties to be in good operating condition and suitable for the purposes for which they are being used. All properties owned by the Bank are unencumbered by any mortgage or security interest and in management’s opinion, are adequately insured.

Item 2 of the 10-K filed Mar 16, 2026.4

Leadership

Who has led CSB Bancorp, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Eddie L. Steiner2006–2007
  2. Rick L. Ginther2007–2010

Chair

  1. Robert K. Baker2006–2007
  2. John R. Waltman2008

President

  1. Eddie L. Steiner2006–now

Chief operating officer

  1. William R. Manning Jr.2010–2011
  2. Steven R. Bailey2012–2015
  3. Brett A. Gallion2018–2024
2010201520202025
Board members and other officers (15)

Former names

  • CSB BANCORP INC /OHNov 14, 1996 to Jan 26, 20233

Timeline

  1. Aug 26, 20268-K Regulation FD disclosure35
  2. Jul 21, 20268-K Results of operations36
  3. Apr 23, 20268-K Shareholder vote37
  4. Apr 20, 20268-K Results of operations38
  5. Feb 25, 20268-K Regulation FD disclosure39
  6. Jan 28, 20268-K Results of operations40
  7. Nov 19, 20258-K Regulation FD disclosure41
  8. Oct 21, 20258-K Results of operations42
  9. Sep 25, 20258-K Other events43
  10. Jul 22, 20258-K Results of operations44
  11. May 28, 20258-K Regulation FD disclosure45
  12. Apr 24, 20258-K Shareholder vote46
  13. May 1, 2007New chief executive Rick L. Ginther becomes CEO13
  14. May 22, 2006New chief executive Eddie L. Steiner becomes CEO14
  15. Sep 27, 2004Founded CSB Bancorp, Inc. is founded2

Calendar

Coming up

  1. Around Oct 21, 2026Next results, estimated About a quarter after its last report. The company hasn't announced the date.

When it reported results

  1. Jul 21, 2026Reported quarterly or annual results36
  2. Apr 20, 2026Reported quarterly or annual results38
  3. Jan 28, 2026Reported quarterly or annual results40
  4. Oct 21, 2025Reported quarterly or annual results42
  5. Jul 22, 2025Reported quarterly or annual results44
  6. Apr 16, 2025Reported quarterly or annual results47
  7. Jan 24, 2025Reported quarterly or annual results48
  8. Oct 22, 2024Reported quarterly or annual results49

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

196 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 42 major events, 118 insider forms, 15 other. The latest 20:

  1. Sep 24, 20264 EDGAR
  2. Sep 10, 20264 EDGAR
  3. Sep 4, 20264 EDGAR
  4. Sep 4, 20264 EDGAR
  5. Aug 26, 20268-K EDGAR
  6. Aug 13, 202610-Q EDGAR
  7. Jul 31, 20264 EDGAR
  8. Jul 21, 20268-K EDGAR
  9. Jun 24, 20264 EDGAR
  10. Jun 18, 202611-K EDGAR
  11. May 14, 202610-Q EDGAR
  12. May 4, 20264 EDGAR
  13. Apr 23, 20268-K EDGAR
  14. Apr 20, 20268-K EDGAR
  15. Mar 27, 20264 EDGAR
  16. Mar 16, 2026ARS EDGAR
  17. Mar 16, 2026DEF 14A EDGAR
  18. Mar 16, 202610-K EDGAR
  19. Feb 25, 20268-K EDGAR
  20. Feb 20, 20264 EDGAR

The 196 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

124 open-market trades by officers, directors and large owners since October 2021: 123 buys and 1 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 22, 2026Kirkbride Cheryl MDirectorBuy8$79.69$622Form 4
Sep 8, 2026STEINER EDDIE LPresident & CEOBuy38$74.08$2.8KForm 4
Sep 3, 2026Schillig Stephen EDirectorBuy134$76.99$10.3KForm 4
Sep 2, 2026STEINER EDDIE LPresident & CEOBuy500$73.51$36.8KForm 4
Jun 23, 2026Kirkbride Cheryl MDirectorBuy8$70.13$591Form 4
Apr 30, 2026Schillig Stephen EDirectorBuy80$68.48$5.5KForm 4
Mar 24, 2026Kirkbride Cheryl MDirectorBuy9$62.00$587Form 4
Feb 19, 2026STEINER EDDIE LPresident & CEOBuy950$56.77$53.9KForm 4
Feb 18, 2026STEINER EDDIE LPresident & CEOBuy320$57.50$18.4KForm 4
Feb 5, 2026STEINER EDDIE LPresident & CEOBuy500$57.01$28.5KForm 4
Dec 16, 2025Kirkbride Cheryl MDirectorBuy11$53.50$569Form 4
Nov 17, 2025BAKER ROBERT KDirectorBuy250$49.71$12.4KForm 4
Nov 5, 2025Briggs Vikki GDirectorBuy600$51.00$30.6KForm 4
Oct 30, 2025Kirkbride Cheryl MDirectorBuy125$52.50$6.6KForm 4
Oct 24, 2025Schillig Stephen EDirectorBuy98$53.00$5.2KForm 4
Sep 2, 2025STEINER EDDIE LPresident & CEOBuy500$45.90$22.9KForm 4
Aug 8, 2025Kirkbride Cheryl MDirectorBuy150$45.90$6.9KForm 4
Aug 5, 2025Coblentz Julian LDirectorBuy500$44.50$22.2KForm 4
Jul 31, 2025Schillig Stephen EDirectorBuy100$44.99$4.5KForm 4
Jul 24, 2025STEINER EDDIE LPresident & CEOBuy650$44.00$28.6KForm 4

All 124 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Eddie L. SteinerPresident and CEO of CSB and Chairman of the Bank$342.7K$467.5K50
2025Brett A. GallionExecutive VP, COO, and CIO of CSB and President of the Bank38$301.5K$411.4K50
2025Paula J. MeilerSenior VP and CFO of CSB and the Bank71$223.4K$314.7K50
2024Brett A. GallionExecutive VP, COO, and CIO of CSB and President of the Bank38$270.0K$359.4K50
2024Paula J. MeilerSenior VP and CFO of CSB and the Bank71$210.0K$286.0K50
2024Eddie L. SteinerPresident and CEO of CSB and Chairman of the Bank$330.0K$39950

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Cutler Capital Management, LLC58,284$4.2M1.3%−8,279

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How CSB Bancorp, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCSB Bancorp, Inc.1
  • CIK0000880417
  • Employer ID (EIN)34-16875304
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inOhio4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address91 North Clay St, Millersburg, OH 446541
  • Phone33067490151
  • Shares outstanding2,627,015 as of Aug 1, 202611
  • Public float$106.4M as of Jun 30, 20254
  • AuditorS.R. Snodgrass, P.C., Cranberry Township, PA PCAOB ID 74; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceAug 13, 19961
  • Filings889 in all: 4 (436), 8-K (199), 10-Q (91), DEF 14A (31), 10-K (27), 11-K (24), 4/A (17), 5 (15)1
    All 30 form types

    3 (11), ARS (4), PRE 14A (4), 10-K405 (3), DEFA14A (3), DFAN14A (3), 10-K/A (2), 425 (2), 8-K/A (2), NT 11-K (2), SC 13D/A (2), 10-Q/A (1), 424B3 (1), DEFC14A (1), EFFECT (1), NT 10-K (1), PREC14A (1), PRES14A (1), S-3DPOS (1), S-4 (1), S-8 (1), SC 13D (1)

  • Latest filingsAnnual report (10-K) Mar 16, 2026
    Quarterly report (10-Q) Aug 13, 2026
    Proxy statement (DEF 14A) Mar 16, 2026
    Latest 8-K (8-K) Aug 26, 2026

Securities registered for trading

ClassSymbolExchange
CSBBNONE

From the cover page of the 10-K filed Mar 16, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

Legal proceedings

In the normal course of business, CSB is subject to pending and threatened legal actions, including claims for which material relief or damages are sought. Although CSB is not able to predict the outcome of such actions, after reviewing pending and threatened actions, management believes that the outcome of any or all such actions will not have a material adverse effect on the results of operations, the financial position, or shareholders’ equity of CSB. Further, there are no material legal proceedings in which any director, executive officer, principal shareholder, or affiliate of CSB is a party or has a material interest that is adverse to CSB or the Bank.

The opening of Item 3, Legal Proceedings.4

Sources

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