CSBB — what changed in the latest 10-Q
A section-by-section comparison of CSBB's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-08-13 vs the prior 10-Q · 2026-05-14
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +19 | −8 | ~13 | 14 |
| Market risk (Item 3) | Text added/removed | 0 | 0 | ~1 | 2 |
| Controls & procedures | No paragraph-level changes | 0 | 0 | 0 | 5 |
| Legal proceedings | No paragraph-level changes | 0 | 0 | 0 | 0 |
| Risk factors | No paragraph-level changes | 0 | 0 | 0 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Not shown (absent or not faithfully extractable): Other information
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-08-13
For the quarters ended June 30, 2026 and 2025, the Company recorded net income of $4.7 million and $3.7 million and $1.80 and $1.41 per share, respectively. The $1 million increase in net income for the period
was primarily the result of an increase of $1.5 million in net interest income, a $175 thousand increase in non interest income, and a decrease in the provision for credit losses and off-balance sheet commitments of $29 thousand. The noninterest expense increase of $465 thousand partially offset the…
Noninterest income increased $175 thousand, or 10%, compared to the second quarter of 2025. The increase was primarily the result of a $49 thousand increase in debit card interchange fees, a $42 thousand increase in credit card fees, $37 thousand increase in earnings on bank owned life insurance, $2…
Noninterest expense increased $465 thousand, or 7%, from the second quarter 2025. Salary and employee benefit costs increased $328 thousand, or 8%, compared to the prior year quarter with an increase in the number of full time equivalent employees from 175 in 2025 to 185 in 2026 as vacant positions …
Federal income tax expense increased $262 thousand, or 29%, for the quarter ended June 30, 2026 as compared to the second quarter 2025. The provision for income taxes was $1.2 million (effective rate of 19.8%) for the quarter ended June 30, 2026, compared to $903 thousand (effective rate of 19.5%) f…
Text removed vs the prior filing · source: 10-Q · 2026-05-14
For the quarters ended March 31, 2026 and 2025, the Company recorded net income of $4.4 million and $3.6 million and $1.69 and $1.37 per share, respectively. The $828 thousand increase in net income for the period was primarily the result of an increase of $1.8 million in net interest income, offset…
Economic indicators reflect somewhat flat business activity with uncertainty related to trade policies and rising energy prices. The provision for credit losses is determined based on management’s calculation of the adequacy of the allowance for credit losses, which includes provisions for classifie…
Noninterest income increased $176 thousand, or 10%, compared to the first quarter of 2025. The increase was primarily the result of a $41 thousand increase in credit card interchange fees, a $40 thousand increase in trust fees, $39 thousand increase in earnings on bank owned life insurance, $28 thou…
Noninterest expense increased $824 thousand, or 13%, from the first quarter 2025. Salary and employee benefit costs increased $536 thousand, or 15%, compared to the prior year quarter with an increase in the number of full time equivalent employees from 173 in 2025 to 182 in 2026 as vacant positions…
Federal income tax expense increased $215 thousand, or 24%, for the quarter ended March 31, 2026 as compared to the first quarter 2025. The provision for income taxes was $1.1 million (effective rate of 19.7%) for the quarter ended March 31, 2026, compared to $878 thousand (effective rate of 19.5%) …
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice