Peer Analysis

CSB Bancorp, Inc.'s financial data is as of 9/30/2020. Peer financial data is as of 9/30/2020 except for these companies:
United Bancshares, Inc.'s financial data is as of 12/31/2020.
Heartland BancCorp's financial data is as of 12/31/2020.
Wayne Savings Bancshares, Inc.'s financial data is as of 12/31/2020.


Performance Ratios (%) CSBB Peer Median Peer Average
ROAA 1.19 1.09 1.10
ROAE 11.89 10.02 9.86
Net Interest Margin 3.41 3.59 3.64
Efficiency Ratio 57.26 60.58 62.11
Loans / Deposits 74.71 87.36 83.24
Asset Quality Ratios (%)
NPAs / Assets 0.46 0.60 0.65
NCOs / Avg Loans 0.00 0.06 0.09
Reserves / Loans 1.33 1.09 1.12
Reserves / NPAs 183.71 162.13 212.12
Capital Ratios (%)
Tier 1 Capital 15.80 13.21 13.06
Tangible Equity / Tangible Assets 8.86 9.77 9.76
Total Equity / Total Assets 9.30 10.91 10.94
Market Ratios
Price / Earnings (x) 9.92 10.56 10.90
Price / Book (%) 113.45 91.18 96.60
Dividend Yield (%) 3.05 2.96 2.98
Data for trailing four quarters

CSB Bancorp, Inc.'s peer group consists of the following: Cortland Bancorp (CLDB), Croghan Bancshares, Inc. (CHBH), Farmers & Merchants Bancorp, Inc. (FMAO), Heartland BancCorp (HLAN), Killbuck Bancshares, Inc. (KLIB), Middlefield Banc Corp. (MBCN), Ohio Valley Banc Corp. (OVBC), SB Financial Group, Inc. (SBFG), United Bancshares, Inc. (UBOH), Wayne Savings Bancshares, Inc. (WAYN)