The Commercial and Savings Bank of Millersburg, Ohio
Millersburg, OH
IDRSSD: 189129
Total Assets
$1.29B
Latest filing
Total Deposits
$1.13B
Latest filing
Net Interest Margin
3.83%
Profitability
Key People
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Locations
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Main Office
The Commercial and Savings Bank of Millersburg, Ohio
91 N Clay St
Millersburg, OH 44654
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1879FDIC Certificate 5853
Branches (15)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| The Commercial and Savings Bank of Millersburg, Ohio (Main) | 91 N Clay St | Millersburg, OH |
| WALNUT CREEK BRANCH | 4980 Old Pump Street | Walnut Creek, OH |
| SOUTH CLAY STREET AUTO BRANCH | 91 S Clay St | Millersburg, OH |
| WINESBURG BRANCH | 2225 U.S. Route 62 | Winesburg, OH |
| CHARM BRANCH | 4440 County Road 70 | Charm, OH |
| SUGARCREEK BRANCH | 127 S Broadway St | Sugarcreek, OH |
| CLINTON COMMONS BRANCH | 2101 Glen Dr | Millersburg, OH |
| BERLIN BRANCH | 4587 State Route 39 | Berlin, OH |
Showing 7 of 15
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1879 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 44654 |
| State and County Number | 39075 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 181 |
| Domestic Offices | 16 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.csb1.com |
| Data Updated | 01/30/2026 |
| CERT | 9139 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.29B |
| Total Deposits | $1.13B |
| Total Liabilities | $1.17B |
| Total Equity Capital | $125.09M |
| Net Income | $1.95M |
| Net Loans and Leases | $817.52M |
| Assets Per Employee ($Millions) | $7.26M |
| Bank Premises and Fixed Assets | $13.77M |
| Cash and Balances due from Depository Institutions | $99.06M |
| Deposits Held in Domestic Offices | $1.13B |
Key Performance Ratios
| Return on Assets (ROA) | 0.61% |
| Return on Equity (ROE) | 6.25% |
| Net Interest Margin | 3.83% |
| Efficiency Ratio | 53.41% |
| Tier 1 Risk-Based Capital Ratio | 15.217% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.21% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.679% |
| Earning Assets to total Assets | 93.97% |
Income and Expense
| Total Interest Income | $15.11M |
| Total Noninterest Income | $1.95M |
| Total Interest Expense | $3.69M |
| Total Noninterest Expense | $7.14M |
| Net Interest Income | $11.42M |
| Pre-tax Net Operating Income | $2.37M |
| Provision for Credit Losses | $3.86M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $917.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $247.00k |
| Federal Funds Purchased and Repurchased Agreement | $31.52M |
| All Other Liabilities | $6.16M |
| Total Liabilities and Capital | $1.29B |
Securities
| Securities | $315.36M |
| Available-for-sale debt securities | $132.22M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $183.15M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Commercial and Savings Bank of Millersburg, Ohio?
$1.29B as of the latest filing.
How much are The Commercial and Savings Bank of Millersburg, Ohio's total deposits?
$1.13B in total deposits.
Where is The Commercial and Savings Bank of Millersburg, Ohio located?
Millersburg, OH.
What is the Net Interest Margin?
3.83%.
How many domestic offices does it operate?
16.
When was it established?
01/01/1879.
What is the Return on Assets (ROA)?
0.61%.
How much are total loans and leases?
$817.52M (latest filing).
What is the total interest income (latest filing)?
$15.11M.