CSBA
CSBACIK 0002114521
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10-Q
Filed Aug 12, 2026
· Period ending Jun 30, 2026
Summary not yet generated.
8-K
Filed Jul 29, 2026
· Period ending Jul 29, 2026
Summary not yet generated.
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8-K
Filed Jul 23, 2026
· Period ending Jul 23, 2026
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10-Q
Filed Jun 29, 2026
· Period ending Mar 31, 2026
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8-K
Filed May 15, 2026
· Period ending May 14, 2026
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S-1/A
Filed May 8, 2026
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CSB Financial sets preliminary $10.00/share price for mutual-to-stock conversion offering
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Latest financial statements
From 10-Q filed Aug 12, 2026 (period ending Jun 30, 2026). As printed on the EDGAR/iXBRL face — not generated by the model.
Condensed Statements of Income (Unaudited)
| Description | Three months ended June 30, 2026 | Three months ended June 30, 2025 | Six months ended June 30, 2026 | Six months ended June 30, 2025 |
|---|---|---|---|---|
| Interest income | ||||
| Loans, including fees | 1,419,308 | 1,354,250 | 2,822,947 | 2,454,780 |
| Investment securities | 48,520 | 48,719 | 97,102 | 93,990 |
| Interest-bearing deposits and other | 56,284 | 49,910 | 122,712 | 96,179 |
| Total interest income | 1,524,112 | 1,452,879 | 3,042,761 | 2,644,949 |
| Interest expense | ||||
| Deposits | 505,097 | 472,623 | 999,645 | 906,223 |
| Borrowings | 81,457 | 99,475 | 190,492 | 135,139 |
| Total interest expense | 586,554 | 572,098 | 1,190,137 | 1,041,362 |
| Net interest income | 937,558 | 880,781 | 1,852,624 | 1,603,587 |
| Provision for (recovery of) credit losses | — | 12,940 | — | 12,940 |
| Net interest income after provision | 937,558 | 867,841 | 1,852,624 | 1,590,647 |
| Noninterest income | ||||
| Service fees on deposits | 7,843 | 7,033 | 14,550 | 14,069 |
| Loan servicing fees | 8,559 | 7,384 | 16,538 | 14,375 |
| Increase in cash surrender value of BOLI | 17,391 | 16,961 | 34,248 | 33,469 |
| Gain on sale of loans | — | 5,033 | — | 5,033 |
| Other income | 2,896 | 9,756 | 10,290 | 18,078 |
| Total noninterest income | 36,689 | 46,167 | 75,626 | 85,024 |
| Noninterest expense | ||||
| Salaries and employee benefits | 467,897 | 427,664 | 1,005,561 | 837,346 |
| Directors fees | 41,602 | 38,603 | 83,205 | 77,205 |
| Occupancy and equipment | 42,146 | 29,753 | 86,167 | 61,554 |
| Data processing fees | 58,736 | 83,967 | 128,984 | 175,197 |
| Franchise taxes | 25,351 | 25,901 | 50,702 | 52,901 |
| FDIC insurance premiums | 12,036 | 10,063 | 24,072 | 19,724 |
| Professional services | 16,507 | 16,056 | 32,723 | 32,112 |
| Advertising | 4,788 | 4,788 | 9,576 | 9,576 |
| Other | 102,408 | 83,671 | 205,308 | 158,034 |
| Total noninterest expense | 771,471 | 720,466 | 1,626,298 | 1,423,649 |
| Income before income taxes | 202,776 | 193,542 | 301,952 | 252,022 |
| Provision for income taxes | 33,622 | 31,560 | 46,067 | 32,910 |
| Net income | 169,154 | 161,982 | 255,885 | 219,112 |
Condensed Balance Sheets (Unaudited)
| Description | June 30, 2026 Unaudited | December 31, 2025 Audited |
|---|---|---|
| Assets | ||
| Cash and due from banks | 307,366 | 275,464 |
| Interest-bearing deposits in other financial institutions | 15,469,471 | 6,153,204 |
| Federal funds sold | — | — |
| Cash and cash equivalents | 15,776,837 | 6,428,668 |
| Available-for-sale securities | 5,399,403 | 5,538,692 |
| Loans receivable | 92,308,006 | 92,991,369 |
| Allowance for credit losses | (438,595) | (435,675) |
| Net loans | 91,869,411 | 92,555,694 |
| Premises and equipment | 532,976 | 561,605 |
| Federal Home Loan Bank stock | 599,500 | 599,500 |
| Bank owned life insurance | 3,101,855 | 3,067,607 |
| Accrued interest receivable | 480,000 | 424,559 |
| Net deferred federal income taxes | 491,398 | 518,381 |
| Other assets | 1,384,547 | 507,777 |
| Total assets | 119,635,927 | 110,202,483 |
| Liabilities | ||
| Demand deposits | 22,999,697 | 10,863,097 |
| Savings and money market | 24,496,314 | 24,041,834 |
| Time deposits | 46,907,995 | 47,249,270 |
| Total deposits | 94,404,006 | 82,154,201 |
| Advances from the Federal Home Loan Bank | 7,400,000 | 10,600,000 |
| Advances by borrowers for taxes and insurance | 579,030 | 582,076 |
| Allowance for credit losses on off-balance sheet credit exposures | 5,073 | 5,073 |
| Accrued interest payable and other liabilities | 1,211,075 | 1,067,113 |
| Total liabilities | 103,599,184 | 94,408,463 |
| Equity | ||
| Retained earnings | 16,152,717 | 15,896,832 |
| Accumulated other comprehensive loss | (115,974) | (102,812) |
| Total equity | 16,036,743 | 15,794,020 |
| Total liabilities and equity | 119,635,927 | 110,202,483 |
Condensed Statements of Cash Flows (Unaudited)
| Description | Six months ended June 30, 2026 | Six months ended June 30, 2025 |
|---|---|---|
| Cash flows from operating activities: | ||
| Net income | 255,885 | 219,112 |
| Adjustments to reconcile net income to net cash flows from operating activities: | ||
| Depreciation | 37,983 | 25,251 |
| Amortization and accretion of investments, net | 4,325 | 11,419 |
| Amortization and accretion of fair value discount, net | (2,400) | (2,557) |
| Amortization of intangible assets | 6,022 | 10,241 |
| Deferred loan fees | (2,060) | 39,923 |
| Deferred income tax provision | 30,483 | 32,910 |
| Increase in cash surrender value on bank owned life insurance | (34,248) | (33,469) |
| Amortization of right-of-use asset | 3,981 | 4,111 |
| (Increase) decrease in: | ||
| Interest receivable | (55,441) | (111,042) |
| Other assets | (862,098) | (29,190) |
| Other liabilities | 119,287 | (49,242) |
| Net cash flows (used in) provided by operating activities | (498,281) | 117,467 |
| Cash flows from investing activities: | ||
| Proceeds from maturities and paydowns of available-for-sale securities | 118,302 | 120,736 |
| Net decrease (increase) in loans | 690,743 | (18,598,351) |
| Purchase of Federal Home Loan Bank stock | — | (322,900) |
| Purchases of premises and equipment | (9,354) | (3,071) |
| Net cash flows provided by (used in) investing activities | 799,691 | (18,803,586) |
| Cash flows from financing activities: | ||
| Net increase in customer deposits | 12,249,805 | 11,576,704 |
| Advances and deposits by borrowers | (3,046) | (345,890) |
| Proceeds from borrowings | — | 7,900,000 |
| Payments on borrowings | (3,200,000) | — |
| Net cash flows provided by (used in) financing activities | 9,046,759 | 19,130,814 |
| Net change in cash and cash equivalents | 9,348,169 | 444,695 |
| Cash and cash equivalents at beginning of year | 6,428,668 | 5,278,477 |
| Cash and cash equivalents at end of year | 15,776,837 | 5,723,172 |
| Supplemental cash flow information: | ||
| Interest paid | 1,138,401 | 1,038,690 |
| Lease liabilities arising from obtained right of use assets | 24,675 | — |
Amounts as printed on the EDGAR/iXBRL face. Labels, columns, and figures are the filing face, not a GAAP stencil. Interactive statements & notes on EDGAR ↗