Headquartered in Millersburg, Ohio, The Commercial and Savings Bank of Millersburg, Ohio is a state-chartered bank (fed member) with $1.3B in total assets and $1.1B in deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1879.
Based on its Q2 2026 filing, The Commercial and Savings Bank of Millersburg, Ohio scores 69/100, which we describe as moderate. That is higher than 53% of 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 85th. Its strongest component is problem-loan coverage (90/100; 5.0%), and its lowest is capital cushion (52/100; 10.25%).
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 fell 5 points (74 → 69), mostly because the loan quality component weakened by 22 points.
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| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 68 |
| Q4 2024 | 70 |
| Q1 2025 | 74 |
| Q2 2025 | 74 |
| Q3 2025 | 75 |
| Q4 2025 | 73 |
| Q1 2026 | 76 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.83% |
| Q3 2024 | 9.76% |
| Q4 2024 | 9.68% |
| Q1 2025 | 9.98% |
| Q2 2025 | 9.99% |
| Q3 2025 | 9.97% |
| Q4 2025 | 9.75% |
| Q1 2026 | 10.12% |
| Q2 2026 | 10.25% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.23% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.09% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.12% |
| Q2 2026 | 0.84% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.87% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.24% |
| Q3 2025 | 1.28% |
| Q4 2025 | 1.11% |
| Q1 2026 | 1.43% |
| Q2 2026 | 1.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $1.3B | 10.25% | 0.84% | 1.46% | 75.4% |
| Q1 2026 | 76 | $1.3B | 10.12% | 0.12% | 1.43% | 76.2% |
| Q4 2025 | 73 | $1.3B | 9.75% | 0.08% | 1.11% | 72.4% |
| Q3 2025 | 75 | $1.2B | 9.97% | 0.09% | 1.28% | 73.1% |
| Q2 2025 | 74 | $1.2B | 9.99% | 0.17% | 1.24% | 71.5% |
| Q1 2025 | 74 | $1.2B | 9.98% | 0.21% | 1.25% | 70.3% |
| Q4 2024 | 70 | $1.2B | 9.68% | 0.23% | 0.87% | 69.9% |
| Q3 2024 | 68 | $1.2B | 9.76% | 0.47% | 0.90% | 66.6% |
| Q2 2024 | 63 | $1.2B | 9.83% | 0.93% | 0.81% | 69.5% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| The Richwood Banking CompanyBank Richwood, OH | 64 out of 100, Moderate | $1.3B | 10.8% | 1.28% | vs |
| Signature Bank, National AssociationBank Toledo, OH | 69 out of 100, Moderate | $1.3B | 12.4% | 0.84% | vs |
| Consumers National BankBank Minerva, OH | 65 out of 100, Moderate | $1.3B | 8.4% | 0.07% | vs |
| The Merchants National BankBank Hillsboro, OH | 64 out of 100, Moderate | $1.3B | 8.9% | 0.53% | vs |
| First State BankBank Winchester, OH | 70 out of 100, Strong | $1.2B | 10.5% | 0.86% | vs |
| Guardian Savings BankBank West Chester, OH | 83 out of 100, Strong | $1.4B | 11.4% | 0.20% | vs |
Deposit insurance
Is my money safe at The Commercial and Savings Bank of Millersburg, Ohio?
Yes. The Commercial and Savings Bank of Millersburg, Ohio is an FDIC-insured institution (FDIC certificate #9139). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.0% of deposits ($272.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.55% (benchmark: 10%).
16 locations
Branches
The Commercial and Savings Bank of Millersburg, Ohio lists 16 offices in 13 cities. Most locations:
- Millersburg, OH (3)
- Wooster, OH (2)
- Berlin, OH (1)
- Bolivar, OH (1)
- Charm, OH (1)
- Gnadenhutten, OH (1)
- New Philadelphia, OH (1)
- North Canton, OH (1)
- Orrville, OH (1)
- Shreve, OH (1)
- Sugarcreek, OH (1)
- Walnut Creek, OH (1)
HMDA 2025
Mortgage lending
In 2025, The Commercial and Savings Bank of Millersburg, Ohio reported 238 home-loan applications under HMDA (LEI 254900VHR12KN8C3F913): 212 originated ($54,070,000 total), 13 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- The Commercial and Savings Bank of Millersburg, Ohio
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 9139
- RSSD ID
- 189129
- Primary regulator
- FED
- Holding company
- Csb Bcorp Inc
- Established
- January 1, 1879
- Headquarters
- 91 N Clay St, Millersburg, OH 44654
- Website
- www.csb1.com
- Employees
- 185
Quick answers
The Commercial and Savings Bank of Millersburg, Ohio: common questions
Is The Commercial and Savings Bank of Millersburg, Ohio FDIC insured?
Yes. The Commercial and Savings Bank of Millersburg, Ohio is an FDIC-insured institution (FDIC certificate #9139). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Commercial and Savings Bank of Millersburg, Ohio's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Commercial and Savings Bank of Millersburg, Ohio ever failed?
There is no failure record for FDIC certificate #9139 in the FDIC failed bank list.
How many branches does The Commercial and Savings Bank of Millersburg, Ohio have?
16 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Millersburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Brewster Federal Credit UnionCredit union Brewster, OH | 95 out of 100, Very strong | $32.9M | 18.4% | 0.56% | vs |
| C E S Credit UnionCredit union Mount Vernon, OH | 91 out of 100, Very strong | $244.3M | 13.1% | 0.16% | vs |
| The Home Loan Savings BankBank Coshocton, OH | 77 out of 100, Strong | $386.7M | 11.7% | 0.58% | vs |
| First Federal Community Bank, National AssociationBank Dover, OH | 75 out of 100, Strong | $994.6M | 9.4% | 0.08% | vs |
| The Killbuck Savings Bank CompanyBank Killbuck, OH | 73 out of 100, Strong | $953.8M | 9.5% | 0.01% | vs |
| The Park National BankBank Newark, OH | 72 out of 100, Strong | $12.6B | 10.3% | 0.86% | vs |