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Community Savings Bank
Bethel, OH · FDIC Certificate #32286 · Chartered 04/0
Total assets
$119.64M
Total deposits
$94.98M
Total equity
$16.04M
Net loans
$91.87M
Branches (offices)
2
Net income (YTD)
$256.00K
Rank: #3,534 of 4,213 U.S. banks by assets · #122 of 155 in Ohio. Assets changed 6.7% and deposits 12.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.45% |
| Return on equity | 3.22% |
| Net interest margin (YTD) | 3.46% |
| Equity to assets | 13.40% |
| Tier 1 leverage ratio | 14.76% |
| Uninsured deposits (share of deposits) | 17.7% |
| Noncurrent loans (share of loans) | 0.10% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 96.7% |
| Real estate loans (share of loans) | 75.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $69.70M | 75.9% | |
| Commercial & industrial | $7.20M | 7.8% | |
| Consumer / individual | $15.41M | 16.8% | |
| Construction & development | $2.65M | 2.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $88.01M | $72.16M | $184.00K | $14.92M |
| Jun 2023 | $84.98M | $68.15M | $223.00K | $15.45M |
| Jun 2024 | $92.84M | $72.76M | $12.00K | $15.62M |
| Jun 2025 | $112.12M | $84.15M | $219.00K | $15.53M |
| Jun 2026 | $119.64M | $94.98M | $256.00K | $16.04M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $94.98M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $94.98M.
Similar-sized banks
First Community Bank Of Moultrie County ($119.74M) · Lone Oak Bank, National Association ($119.62M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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