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The Commercial And Savings Bank Of Millersburg, Ohio
Millersburg, OH · FDIC Certificate #9139 · Chartered 01/0
Total assets
$1.30B
Total deposits
$1.13B
Total equity
$130.88M
Net loans
$855.97M
Branches (offices)
16
Net income (YTD)
$9.36M
Rank: #850 of 4,213 U.S. banks by assets · #30 of 155 in Ohio. Assets changed 4.6% and deposits 4.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.46% |
| Return on equity | 14.64% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 10.11% |
| Tier 1 leverage ratio | 10.25% |
| Uninsured deposits (share of deposits) | 24.0% |
| Noncurrent loans (share of loans) | 0.84% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 75.4% |
| Real estate loans (share of loans) | 83.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $713.74M | 83.4% | |
| Commercial & industrial | $136.41M | 15.9% | |
| Consumer / individual | $14.17M | 1.7% | |
| Construction & development | $56.61M | 6.6% | |
| Agricultural | $2.87M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.13B | $994.27M | $6.08M | $92.16M |
| Jun 2023 | $1.16B | $1.02B | $7.75M | $99.35M |
| Jun 2024 | $1.17B | $1.02B | $4.75M | $109.53M |
| Jun 2025 | $1.24B | $1.09B | $7.56M | $120.61M |
| Jun 2026 | $1.30B | $1.13B | $9.36M | $130.88M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $1.13B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.13B.
Similar-sized banks
The Richwood Banking Company ($1.30B) · Adams Bank & Trust ($1.29B)
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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