The Commercial Savings Bank

The Commercial Savings Bank is headquartered in Upper Sandusky and is the 63^rd largest bank in the state of Ohio. It is also the 2,157^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 90 employees at 9 locations. The Commercial Savings Bank has a 4-star health rating.

The Commercial Savings Bank Routing Number: 041215786

The Commercial Savings Bank Checking Account Rates

The Commercial Savings Bank Savings Account Rates

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The Commercial Savings Bank IRA Rates

Data for Q1 2012

Institution Statistics The Commercial Savings Bank FDIC Certificate # 2291 BankRate Report View Year Established 1920 Employees 90 Primary Regulator FDIC Assets and Liabilities Assets $303.07 million Loans $226.92 million Deposits $274.24 million Equity Capital $27.11 million Loan Loss Allowance $3.91 million Unbacked Noncurrent Loans $3.99 million Historic Data - March 2011 Assets $300.87 million Equity Capital $24.50 million Loan Loss Allowance $3.24 million Unbacked Noncurrent Loans $1.69 million Real Estate Owned $96,000 Profit Margin - Quarterly Net Interest Margin 4.82% Return on Assets 1.08% Return on Equity 11.88% Interest Income $3.63 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Commercial Savings Bank had $3.99 million in non-current loans and owned real-estate with $31.02 million in equity and loan loss allowances on hand to cover it. This gives The Commercial Savings Bank a Texas Ratio of 12.86% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Commercial Savings Bank increased slightly from 6.45% as of March 31, 2011 to 12.86% as of March 31, 2012, resulting in a negative change of 99.44%. This indicates that the balance sheet and financial strength for The Commercial Savings Bank has declined slightly in recent periods. Deposit Growth In the past year, The Commercial Savings Bank has increased its total deposits by $396,000, resulting in 0.14% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Commercial Savings Bank has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Commercial Savings Bank has $303.07 million in assets with $31.02 million in equity, resulting in a capitalization level of 10.24%, which is above average.

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