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WHAT DOES IT MEAN TO BE A

Mutual Bank?

It Means Mutual Respect. Interests. Understanding.

WHY DOES MUTUALITY MATTER?

As a mutual bank, we have no stockholders whose top priority is a return on investment. Instead, we have a long term vision and a measured approach to the growth of our business. We are not pressured by short term gains, but instead–focused on planning for a strong future.

At CSB, we are driven by what really matters to us–our employees, our customers, and our community and we are accountable for continuously improving the experiences that all of these groups have with us.

WE PUT PEOPLE FIRST, ALWAYS.

OUR EMPLOYEES

Our strength as a mutual allows us the freedom to be especially committed to investing in our employees – their career growth, their wellness, and their overall development.

Our strength as a mutual allows us the freedom to be especially committed to investing in our employees – their career growth, their wellness, and their overall development.

  • 10,000 hours of training delivered to employees over the last 12 months
  • 17% of employees promoted over the last 12 months
  • Investment in a new operations center to enhance employee wellness and collaboration
  • Continual assessment and upgrading of employee benefits to support the well-being and culture for employees to thrive in

We are dedicated to making CSB an engaging, diverse, and collaborative work environment and support our employees in all aspects of their life.

OUR CUSTOMERS

Our long-term view of the business allows us to make decisions that optimize the offerings and experiences that customers have with us.

Our long-term view of the business allows us to make decisions that optimize the offerings and experiences that customers have with us.

  • Competitive rates offered across all products and services
  • Continual investments made in technology, process improvements, and products that allow us to deliver customer-centric experiences
  • Loan decisions are made locally – we have expertise in the markets we serve
  • Bankers that invest their time and expertise to helping customers and small businesses grow and prosper

We do not make short-term decisions that affect quarterly earnings, because as a mutual, we do not have to. We have real relationships with our customers – and pride ourselves on serving them and knowing them at a deep, personal level — for the long-term.

OUR COMMUNITY

We are local, reliable, and responsive – and deeply committed to investing in the markets that support our customers and small businesses.

We are local, reliable, and responsive – and deeply committed to investing in the markets that support our customers and small businesses.

  • $9MM donated to our communities within the last ten years
  • Our employees have contributed over 25,000 hours of volunteer time to non-profit organizations in our communities over the last eight years
  • Since 2010, we have had dedicated Financial Education resources to support our communities – over 25,000 financial education program participants served
  • Many of our employees live in and are part of the very communities we serve

As a mutual bank, we choose to make these investments in our communities – investing locally builds a stronger society for which we all thrive.

CSB HISTORY

We're very proud of our history, and we want to share a timeline of key moments that helped bring us to where we are today.1

BY THE NUMBERS

295

non-profits
served over
the past
year

25,988

FINANCIAL
EDUCATION
PROGRAM
PARTICIPANTS

31%

OF OUR EMPLOYEES
HAVE BEEN WITH
US FOR 10 OR MORE
YEARS2

$1.2MM

GIVEN IN
SCHOLARSHIP
DONATIONS OVER
THE PAST 27 YEARS

CONNECT WITH US AND START EXPERIENCING WHY MUTUALITY MATTERS.