CSB FINANCIAL INC (CSBA) Financials
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 12, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CSBA SEC filings page.
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).
The reported balance sheet is liability-funded: obligations represent 85.7% of assets, leaving equity as the thinner funding layer.
The combination of liabilities at85.7% of assets and a 6.0x liabilities-to-equity ratio points to a structure where creditors supply most funding; that matters more here than profitability ratios, which cannot be assessed from the available fields.
At FY2025, the reported structure is balance-sheet-heavy, but it does not reveal whether the business earns money or converts earnings into cash because revenue, net income, and operating cash flow are absent. The figures therefore support a financing-structure observation, not an operating-performance conclusion.
Some figures from recent filings were inconsistent and were omitted from this summary.
Financial Health Signals
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
Earnings & Revenue
CSB FINANCIAL INC generated $974K in revenue in Q2 2026. This represents an increase of 5.1% from the same quarter a year earlier. Against the prior quarter it is up 2.1%.
CSB FINANCIAL INC reported $169K in net income in Q2 2026. This represents an increase of 4.4% from the same quarter a year earlier. Against the prior quarter it is up 95.0%.
Not reported for Q2 2026.
Not reported for Q2 2026.
Cash & Balance Sheet
CSB FINANCIAL INC recorded an outflow of $273K in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 369.3% from the same quarter a year earlier. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
CSB FINANCIAL INC held $15.8M in cash against $7.4M in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Margins & Returns
CSB FINANCIAL INC's net profit margin was 17.4% in Q2 2026, showing the share of revenue converted to profit. This is down 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 8.3 percentage points.
CSB FINANCIAL INC's quarterly ROE was 1.1% in Q2 2026: one quarter's net income over shareholder equity, not annualized. That is unchanged from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
CSB FINANCIAL INC reported no capital expenditure in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier. Against the prior quarter it is down 100.0%.
Not reported for Q2 2026.
Not reported for Q2 2026.
CSBA Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).
CSBA Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|
| Total Assets | $119.6M | $111.1M | $110.2M | N/A | N/A |
| Cash & Equivalents | $15.8M+175.7% | $8.0M+116.7% | $6.4M | $5.7M | $3.7M |
| Total Liabilities | $103.6M | $95.2M | $94.4M | N/A | N/A |
| Long-Term Debt | $7.4M | $10.6M | N/A | N/A | N/A |
| Total Equity | $16.0M+3.3% | $15.9M+3.3% | $15.8M | $15.5M | $15.4M |
| Retained Earnings | $16.2M | $16.0M | $15.9M | N/A | N/A |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities.
CSBA Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q2'2510-Q | Q1'2510-Q |
|---|---|---|---|---|---|
| Net Margin | 17.4%-0.1pp | 9.1%+1.6pp | N/A | 17.5% | 7.5% |
| Return on Equity | 1.1%0.0pp | 0.5%+0.2pp | N/A | 1.0% | 0.4% |
| Return on Assets | 0.1% | 0.1% | N/A | N/A | N/A |
| Debt-to-Equity | 0.46 | 0.67 | N/A | N/A | N/A |
| Liabilities-to-Equity | 6.46 | 6.00 | 5.98 | N/A | N/A |
| Asset Turnover | 0.01 | 0.01 | N/A | N/A | N/A |
| FCF Margin | -28.0%-38.9pp | -24.6%-26.3pp | N/A | 10.9% | 1.7% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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 liabilities-to-equity ratio?
CSB FINANCIAL INC (CSBA) had a liabilities-to-equity ratio of 5.98 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.