CSB Bancorp is a small community bank holding company based in Millersburg, Ohio, operating through its subsidiary, The Commercial and Savings Bank. The Bank provides retail and commercial banking services to individuals and local businesses across northeast Ohio, primarily in Holmes, Stark, Tuscarawas, and Wayne counties — a mostly rural and semi-rural region. The Bank's core products are loans and deposits: on the lending side, CSB originates commercial real estate loans, residential mortgages, home equity lines of credit, commercial and industrial loans, and consumer installment loans. On the deposit side, CSB takes in checking accounts, savings accounts, and time deposits from local individuals and businesses. CSB also offers trust services and, through CSB Investment Services, insurance and brokerage products, though these are ancillary to the core banking business. CSB earns money primarily through net interest income — borrowing cheaply via deposits and lending at higher rates. Noninterest-bearing demand deposits are the most valuable form of funding, as they carry no interest cost. The majority of loans carry variable rates, making CSB's earnings sensitive to interest rate movements. CSB operates as a traditional community bank, relying on local branch presence, personal relationships, and name recognition to attract and retain customers.