Commercial Savings Bank is a locally owned community bank that has proudly served the financial needs of Carroll County residents for more than 100 years. Founded in 1917 with just $25,000 in capital and three employees, the bank has grown while maintaining its deep local roots. Local ownership and management remain the cornerstone of our strength and continue to define the character that sets us apart.

Today, Commercial Savings Bank stands as Carroll’s premier real estate lender, offering financing for both residential and commercial properties. In addition to real estate lending, we provide a full range of small business, consumer, and agricultural loans tailored to help our customers succeed.

We also offer a comprehensive suite of deposit products - including Certificates of Deposit, IRAs, HSAs, savings, and checking accounts - designed to meet the unique needs of every customer. Whether you’re starting your first job, growing your business, planning for your family, or preparing for retirement, Commercial Savings Bank is here to provide the tools and guidance to help you achieve your financial goals.

FDIC-Insured - Backed by the full faith and credit of the U.S. Government