Our History

The Bank That Grows From a Strong Foundation


The Board of Directors welcome you to Commercial Savings Bank and appreciate your business!

Commercial Savings Bank is a locally-owned community bank that has been serving the financial needs of Carroll County residents for 100 years. The bank was founded in 1917 with capital of $25,000 and three employees. Today that $25,000 capital has grown to more than $13 million dollars, and the bank now has 28 dedicated and friendly employees. The local ownership and management continue to be the foundation of the bank's strength and define its unique character.


The bank has become Carroll's premier real estate lender for both residential and commercial property. Along with real estate lending, Commercial Savings Bank offers all types of small business, consumer and agricultural loans.


A full array of deposit products, such as Certificates of Deposit, IRA's, HSAs, savings, and checking accounts are tailored to meet each customer's needs. Whether you are starting your first job, planning for a family, or looking forward to retirement, we give you the tools to help you reach your goals.