CSB Bancorp (OTCPK:CSBB) Loan Growth With Lower Non Performing Loans Challenges Risk Concerns

Simply Wall St.

Apr 22

CSB Bancorp (CSBB) has put up a clean set of numbers for Q1 2026, with Q4 2025 revenue at US$9.5 million, basic EPS at US$0.71, and net income of US$1.9 million anchoring the latest run of results ...

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overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nCSB Bancorp (OTCPK:CSBB) Loan Growth With Lower Non Performing Loans Challenges Risk Concerns\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-04-22 06:14 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/otc-csbb/csb-bancorp/news/csb-bancorp-otcpkcsbb-loan-growth-with-lower-non-performing><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>CSB Bancorp (CSBB) has put up a clean set of numbers for Q1 2026, with Q4 2025 revenue at US$9.5 million, basic EPS at US$0.71, and net income of US$1.9 million anchoring the latest run of results ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/otc-csbb/csb-bancorp/news/csb-bancorp-otcpkcsbb-loan-growth-with-lower-non-performing\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4211","symbol_name":"区域性银行","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/otc-csbb/csb-bancorp/news/csb-bancorp-otcpkcsbb-loan-growth-with-lower-non-performing","article_id":"2629066789","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7013000-choice2-main-header/1585186648241"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/otc-csbb/csb-bancorp/news/csb-bancorp-otcpkcsbb-loan-growth-with-lower-non-performing","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2629066789","pubTimestamp":1776809696,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"CSB Bancorp (CSBB) has put up a clean set of numbers for Q1 2026, with Q4 2025 revenue at US$9.5 million, basic EPS at US$0.71, and net income of US$1.9 million anchoring the latest run of results against a trailing year where earnings grew 33.5% and net profit margin sat at 30.2%. Over recent quarters, revenue has moved from US$9.1 million in Q4 2024 to US$11.0 million in Q1 2025, US$11.5 million in Q2 2025, US$12.3 million in Q3 2025, then US$9.5 million in Q4 2025, with EPS shifting from...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4211":"区域性银行","CSBB":"CSB Bancorp, Inc.","CSB":"VictoryShares US Small Cap High Div Volatility Wtd ETF"},"translate_title":"CSB Bancorp(OTCPK：CSBB)贷款增长和不良贷款下降挑战风险担忧","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"CSB":1.5,"CSBB":1.5},"content_text":"CSB Bancorp (CSBB) has put up a clean set of numbers for Q1 2026, with Q4 2025 revenue at US$9.5 million, basic EPS at US$0.71, and net income of US$1.9 million anchoring the latest run of results against a trailing year where earnings grew 33.5% and net profit margin sat at 30.2%. Over recent quarters, revenue has moved from US$9.1 million in Q4 2024 to US$11.0 million in Q1 2025, US$11.5 million in Q2 2025, US$12.3 million in Q3 2025, then US$9.5 million in Q4 2025, with EPS shifting from US$0.87 to US$1.37, US$1.41, US$1.57 and US$0.71 over the same stretch. With margins running in the low to mid 30% range on a trailing basis, this latest update gives investors a clear read on how profitability is holding up through the quarter. See our full analysis for CSB Bancorp. With the headline figures on the table, the next step is to see how these results line up with the prevailing narratives around CSB Bancorp's growth, quality, and risk profile, and where the numbers start to challenge those stories. Curious how numbers become stories that shape markets? Explore Community Narratives OTCPK:CSBB Earnings & Revenue History as at Apr 2026 AdvertisementLoan Book Grows While Credit Quality Improves  Total loans moved from US$719.7 million in Q3 2024 to US$829.9 million in Q4 2025, while non performing loans declined from US$3.4 million to US$0.7 million over the same data window. What stands out for the bullish camp is that concerns about small community banks taking on risk to grow lending are partly countered here, as higher total loans in 2025 sit alongside lower non performing loans. This points to growth that is at least paired with improving reported credit quality in this dataset.\n     Total loans increased across the periods shown, from US$737.8 million in Q4 2024 to US$829.9 million in Q4 2025, while non performing loans fell from US$1.7 million to US$0.7 million. Those figures sit next to trailing earnings growth of 33.5% and a 30.2% net profit margin, so bulls can argue the bank is not only growing but also keeping problem credits in check in these reported numbers.    Margins And Costs Steady Around Mid 50s  Across 2025, net interest margin sits at 3.48% to 3.67% and the cost to income ratio at about 55% to 57%, showing a relatively tight band for these key banking metrics in the provided periods. Critics with a bearish tilt often worry that smaller banks will see pressure on margins or operating costs, yet here the numbers show a fairly consistent net interest margin, rising from 3.31% on a trailing basis in Q4 2024 to 3.63% by Q4 2025, while the cost to income ratio stays around the mid 50s.\n     Net interest margin in the quarterly data moves from 3.26% in Q3 2024 to 3.67% in Q3 2025, with the trailing figure at 3.63% in Q4 2025, which does not point to sharp compression in this sample. Cost to income ratio is 58.2% in Q3 2024 versus 55.6% and 56.6% in Q3 and Q2 2025, so the bank is keeping expenses and income in a similar relationship across the periods shown rather than seeing costs run ahead.    P/E, Dividend And DCF Fair Value Gap  On the valuation side, the trailing P/E of 12.4x sits below a 15.1x peer average but above the 11.9x US Banks industry average, while the trailing dividend yield is 2.67% and the DCF fair value in the data is US$102.42 against a current share price around US$63. What is interesting for a broadly bullish narrative is how this mix of metrics lines up, because the stock is described as trading about 38.5% below the DCF fair value even as its 33.5% trailing earnings growth rate and 30.2% net margin are paired with only modest 2.7% annualized earnings growth over five years. This means investors have to weigh a seemingly wide valuation gap against a longer term growth record that is much more restrained.\n     The trailing dividend yield of 2.67% adds an income element alongside the earnings numbers, so anyone leaning bullish can point to both cash returns and a DCF fair value of US$102.42 as support for the idea that US$63 does not fully reflect the trailing fundamentals in this dataset. At the same time, the 2.7% five year earnings growth rate and a P/E that is only slightly below peers and a bit above the broader US Banks industry suggest the share does not automatically screen as cheap on every metric, which gives bears a clear data point when they question how much weight to put on the one year earnings jump.    Want to see how other investors connect these valuation signals to longer term stories about growth and risk in CSB Bancorp, and how that lines up with your own view, 📊 Read the what the Community is saying about CSB Bancorp. Next Steps Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on CSB Bancorp's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move. Given all of this, do these results leave you feeling cautious or encouraged about CSB Bancorp? Take a moment to weigh the numbers for yourself, then check how those positives stack up in our 3 key rewards See What Else Is Out There CSB Bancorp's mix of a wide DCF fair value gap, modest 2.7% five year earnings growth, and mid range P/E leaves some investors questioning upside potential. If you want ideas where pricing and fundamentals may line up more convincingly right now, compare this situation with companies in the 59 high quality undervalued stocks.  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: AI Stock Screener & AlertsOur new AI Stock Screener scans the market every day to uncover opportunities.• Dividend Powerhouses (3%+ Yield)• Undervalued Small Caps with Insider Buying• High growth Tech and AI CompaniesOr build your own from over 50 metrics.Explore Now for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"1","news_tag":"dataReport","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"}}}