Community Savings Bank (FDIC certificate #32286) is based in Bethel, Ohio. Its Q2 2026 call report shows $119.6M in total assets and $95.0M in deposits and 2 offices.
Community Savings Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 26th. Problem-loan coverage contributes the most (99/100, 0.5%); earnings contributes the least (38/100, 0.45%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (78 → 80), mostly because the funding & liquidity component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 71 |
| Q4 2024 | 69 |
| Q1 2025 | 77 |
| Q2 2025 | 78 |
| Q3 2025 | 76 |
| Q4 2025 | 77 |
| Q1 2026 | 77 |
| Q2 2026 | 80 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 17.24% |
| Q3 2024 | 16.70% |
| Q4 2024 | 16.49% |
| Q1 2025 | 16.84% |
| Q2 2025 | 14.96% |
| Q3 2025 | 14.14% |
| Q4 2025 | 14.34% |
| Q1 2026 | 14.56% |
| Q2 2026 | 14.76% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.25% |
| Q4 2024 | 0.53% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.11% |
| Q1 2026 | 0.10% |
| Q2 2026 | 0.10% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | -0.54% |
| Q4 2024 | -0.40% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.44% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.42% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $119.6M | 14.76% | 0.10% | 0.45% | 96.7% |
| Q1 2026 | 77 | $111.1M | 14.56% | 0.10% | 0.31% | 109.7% |
| Q4 2025 | 77 | $110.2M | 14.34% | 0.11% | 0.42% | 111.9% |
| Q3 2025 | 76 | $111.7M | 14.14% | 0.11% | 0.42% | 112.4% |
| Q2 2025 | 78 | $112.1M | 14.96% | 0.18% | 0.44% | 113.1% |
| Q1 2025 | 77 | $92.0M | 16.84% | 0.23% | 0.25% | 106.9% |
| Q4 2024 | 69 | $92.8M | 16.49% | 0.53% | -0.40% | 105.1% |
| Q3 2024 | 71 | $93.3M | 16.70% | 0.25% | -0.54% | 104.8% |
| Q2 2024 | 76 | $92.8M | 17.24% | 0.17% | 0.03% | 106.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Woodsfield Savings BankBank Woodsfield, OH | 61 out of 100, Moderate | $123.3M | 8.6% | 0.92% | vs |
| Adelphi BankBank Columbus, OH | 80 out of 100, Strong | $124.5M | 15.8% | 0.00% | vs |
| The National Bank of Adams County of West UnionBank West Union, OH | 68 out of 100, Moderate | $114.7M | 10.8% | 2.10% | vs |
| The Hamler State BankBank Hamler, OH | 76 out of 100, Strong | $125.3M | 14.3% | 1.38% | vs |
| Spring Valley BankBank Wyoming, OH | 89 out of 100, Very strong | $113.6M | 34.1% | 0.43% | vs |
| The Peoples Savings and Loan CompanyBank West Liberty, OH | 63 out of 100, Moderate | $109.9M | 9.0% | 0.14% | vs |
Deposit insurance
Is my money safe at Community Savings Bank?
Yes. Community Savings Bank is an FDIC-insured institution (FDIC certificate #32286). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.7% of deposits ($16.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Community Savings Bank lists 2 offices in 2 cities. Most locations:
- Bethel, OH (1)
- Greenfield, OH (1)
Identity & history
Profile
- Legal name
- Community Savings Bank
- Former names
- The Bethel Building and Loan Company
- Type
- State-chartered bank
- FDIC certificate #
- 32286
- RSSD ID
- 847979
- Primary regulator
- FDIC
- Established
- April 6, 1889
- Headquarters
- 503 W Plane St, Bethel, OH 45106
- Website
- www.bankwith-csb.com
- Employees
- 15
Quick answers
Community Savings Bank: common questions
Is Community Savings Bank FDIC insured?
Yes. Community Savings Bank is an FDIC-insured institution (FDIC certificate #32286). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community Savings Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Community Savings Bank ever failed?
There is no failure record for FDIC certificate #32286 in the FDIC failed bank list.
How many branches does Community Savings Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bethel
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH | 92 out of 100, Very strong | $30.8M | 18.2% | 0.82% | vs |
| Northern Kentucky Federal Credit UnionCredit union Highland Height, KY | 91 out of 100, Very strong | $43.1M | 14.0% | 0.29% | vs |
| Spring Valley BankBank Wyoming, OH | 89 out of 100, Very strong | $113.6M | 34.1% | 0.43% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Guardian Savings BankBank West Chester, OH | 83 out of 100, Strong | $1.4B | 11.4% | 0.20% | vs |