Total Assets
$1.3B
Total balance-sheet footings
FDIC Cert #9139 · Millersburg, Ohio · Est. 1879
The Commercial and Savings Bank of Millersburg, Ohio - FDIC Bank Health Profile
A community-scale look at The Commercial and Savings Bank of Millersburg, Ohio's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.3B
- Total assets
- A
- Health grade · Excellent
- 1.11%
- Return on assets
- 15.2%
- Tier 1 capital
Data updated July 2026
The verdict
The Commercial and Savings Bank of Millersburg, Ohio earns a PlainBankData health grade of A (92/100), with well-capitalized at 15.22% Tier 1, profitable at 1.11% ROA, efficient (55% cost ratio).
- #850
- largest of 4,313 FDIC banks by assets
- 80th
- percentile by asset size, nationally
- 15.22%
- Tier 1 ratio - above the 10% well-capitalized line
- 51st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The Commercial and Savings Bank of Millersburg, Ohio's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Commercial and Savings Bank of Millersburg, Ohio's composite health score
Tier 1 Capital Ratio (15.22%) 40/40
Return on Assets (ROA) (1.11%) 20/25
Texas Ratio (0.47%) 20/20
Efficiency Ratio (54.90%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.1B
Customer-funded liabilities
Net Loans
$818M
Outstanding loan book
Net Income
$14M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Commercial and Savings Bank of Millersburg, Ohio ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Commercial and Savings Bank of Millersburg, Ohio's score of 92/100 falls in the highlighted band.
The Commercial and Savings Bank of Millersburg, Ohio's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Commercial and Savings Bank of Millersburg, Ohio's $1.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.22%
Texas Ratio
0.47%
Equity Capital
$125M
Profitability metrics
Return on Assets (ROA)
51st percentile nationally
1.11%
Return on Equity (ROE)
11.41%
Efficiency Ratio
54.90%
What the numbers say about The Commercial and Savings Bank of Millersburg, Ohio
The Commercial and Savings Bank of Millersburg, Ohio is an FDIC-insured institution (Certificate #9139) headquartered in Millersburg, Ohio, established in 1879. It holds $1.3B in total assets - 850th of 4,313 FDIC-insured banks, $1.1B in customer deposits, and $818M in net loans. Capital-wise, the Tier 1 ratio sits at 15.22%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.47%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Commercial and Savings Bank of Millersburg, Ohio sits 28th of 158 banks headquartered in Ohio by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$57M
Interest Income
$7M
Non-Interest Income
$27M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Commercial and Savings Bank of Millersburg, Ohio reports a Texas Ratio of 0.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Commercial and Savings Bank of Millersburg, Ohio (FDIC Cert #9139) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is The Commercial and Savings Bank of Millersburg, Ohio's health grade?▼
The Commercial and Savings Bank of Millersburg, Ohio receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Commercial and Savings Bank of Millersburg, Ohio?▼
The Commercial and Savings Bank of Millersburg, Ohio holds $1.3B in total assets and $1.1B in deposits, ranking 850th of 4,313 FDIC-insured banks by asset size. It is headquartered in Millersburg, Ohio.
Is my money safe at The Commercial and Savings Bank of Millersburg, Ohio?▼
Yes, deposits at The Commercial and Savings Bank of Millersburg, Ohio (Certificate #9139) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Commercial and Savings Bank of Millersburg, Ohio's Tier 1 Capital Ratio?▼
The Commercial and Savings Bank of Millersburg, Ohio has a Tier 1 Capital Ratio of 15.22%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Commercial and Savings Bank of Millersburg, Ohio?▼
The Commercial and Savings Bank of Millersburg, Ohio has a Texas Ratio of 0.47%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Commercial and Savings Bank of Millersburg, Ohio?▼
The Commercial and Savings Bank of Millersburg, Ohio has an Efficiency Ratio of 54.90%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Commercial and Savings Bank of Millersburg, Ohio's profile as a depositor or analyst.
- The Commercial and Savings Bank of Millersburg, Ohio's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Commercial and Savings Bank of Millersburg, Ohio against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.