Csb Financial Inc Financials

CSBA

FY2025 annual

Revenue Not reported for FY2025

Net Income Not reported for FY2025

EPS (Diluted) Not reported for FY2025

Free Cash Flow Not reported for FY2025

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

This page shows Csb Financial Inc (CSBA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CSBA FY2025 2026-08-12

CSBA’s operating profile is obscured, but the balance sheet shows a liability-funded structure with a relatively thin cash cushion.

Reported debt-to-equity of 6.0x means the company is financed far more by obligations than by shareholder capital. That matters because cash was only $6.4M while total liabilities reached $94.4M, leaving a slim immediate buffer if assets cannot be turned into cash quickly.

Retained earnings of $15.9M nearly match total equity of $15.8M, suggesting book value is driven mainly by accumulated profits rather than a large contributed-capital base. But with assets at $110.2M, that equity layer is narrow, so small changes in asset values or funding costs can have an outsized effect on reported net worth.

Some figures from recent filings were inconsistent and were omitted from this summary.

Financial Health Signals

Financial health score not available

Csb Financial Inc does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The metrics below are current.

Key Financial Metrics

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Earnings & Revenue

None of these metrics is reported for fiscal year 2025.

Cash & Balance Sheet

Cash & Debt

$6.4M

Csb Financial Inc held $6.4M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Free Cash Flow

Not reported for fiscal year 2025.

Dividends Per Share

Not reported for fiscal year 2025.

Shares Outstanding

Not reported for fiscal year 2025.

Margins & Returns

None of these metrics is reported for fiscal year 2025.

Capital Allocation

None of these metrics is reported for fiscal year 2025.

CSBA Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CSBA annual income statement

Metric	FY25
Income Tax	$30K

Metric	Q2'26	Q1'26	Q4'25	Q2'25	Q1'25
Revenue	$1.5M+0.4%	$1.5M	N/A	$1.5M+21.9%	$1.2M
SG&A Expenses	$468K-13.0%	$538K	N/A	$428K+4.4%	$410K
Interest Expense	$587K-2.8%	$604K	N/A	$572K+21.9%	$469K
Income Tax	$34K+170.2%	$12K	N/A	$32K+2237.8%	$1K
Net Income	$169K+95.0%	$87K	N/A	$162K+183.5%	$57K

Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, Interest Expense, Net Income, EPS (Diluted).

CSBA Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CSBA annual balance sheet

Metric	FY25
Total Assets	$110.2M
Cash & Equivalents	$6.4M
Total Liabilities	$94.4M
Total Equity	$15.8M
Retained Earnings	$15.9M

Metric	Q2'26	Q1'26	Q4'25	Q2'25	Q1'25
Total Assets	$119.6M+7.7%	$111.1M+0.8%	$110.2M	N/A	N/A
Cash & Equivalents	$15.8M+97.4%	$8.0M+24.3%	$6.4M+12.3%	$5.7M+55.2%	$3.7M
Total Liabilities	$103.6M+8.8%	$95.2M+0.8%	$94.4M	N/A	N/A
Long-Term Debt	$7.4M-30.2%	$10.6M	N/A	N/A	N/A
Total Equity	$16.0M+1.1%	$15.9M+0.5%	$15.8M+1.7%	$15.5M+1.1%	$15.4M
Retained Earnings	$16.2M+1.1%	$16.0M+0.5%	$15.9M	N/A	N/A

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.

CSBA Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

CSBA annual financial ratios

Metric	FY25
Debt-to-Equity	5.98

Metric	Q2'26	Q1'26	Q4'25	Q2'25	Q1'25
Net Margin	11.1%+5.4pp	5.7%	N/A	11.2%+6.4pp	4.8%
Return on Equity	1.1%+0.5pp	0.5%	N/A	1.0%+0.7pp	0.4%
Return on Assets	0.1%+0.1pp	0.1%	N/A	N/A	N/A
Debt-to-Equity	0.46-0.2x	0.67-5.3x	5.98	N/A	N/A
FCF Margin	-17.9%-2.5pp	-15.5%	N/A	7.0%+5.9pp	1.1%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Return on Equity, Return on Assets, Current Ratio, FCF Margin.

Where Csb Financial Inc Ranks

Frequently Asked Questions

What are Csb Financial Inc's total assets?

Csb Financial Inc (CSBA) had $110.2M in total assets as of fiscal year 2025, including both current and long-term assets.

What is Csb Financial Inc's debt-to-equity ratio?

Csb Financial Inc (CSBA) had a debt-to-equity ratio of 5.98 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.