The Commercial and Savings Bank of Millersburg, Ohio: how it compares with its peers
Against 28 OH banks with half to twice its assets, The Commercial and Savings Bank of Millersburg, Ohio's strongest measure in Q2 2026 is return on assets (1.46% vs. a 1.20% peer median). Its weakest relative measure is assets per employee ($7.0M vs. $7.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.46% | 1.20% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.88% | 3.78% | Middle third Ahead of 64% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.99% | 60.08% | Middle third Ahead of 64% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $7.2M | Middle third Ahead of 43% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.43% | 82.79% | Context |
What it means for lending operations
Its efficiency ratio of 52.99% is better than the 60.08% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Richwood Banking Company Richwood, OH · $1.30B
- Signature Bank, National Association Toledo, OH · $1.31B
- Consumers National Bank Minerva, OH · $1.28B
- The Merchants National Bank Hillsboro, OH · $1.27B
- First State Bank Winchester, OH · $1.24B
- Guardian Savings Bank West Chester, OH · $1.39B
Questions about The Commercial and Savings Bank of Millersburg, Ohio
How big is The Commercial and Savings Bank of Millersburg, Ohio?
The Commercial and Savings Bank of Millersburg, Ohio, established in 1879, is headquartered in Millersburg, OH. It reported $1.30B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is The Commercial and Savings Bank of Millersburg, Ohio's return on assets?
1.46% annualized in Q2 2026, against a 1.20% median for 28 OH banks with half to twice its assets, ahead of 71% of them.
What is The Commercial and Savings Bank of Millersburg, Ohio's efficiency ratio?
52.99% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 60.08%, and lower is better.
Is The Commercial and Savings Bank of Millersburg, Ohio growing its loans?
Net loans grew 9.8% over the year to Q2 2026, while deposits grew 4.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.