Regulatory Requirements (Tables)

6 Months Ended

Jun. 30, 2025

Regulatory Capital Requirements Under Banking Regulations [Abstract]

Regulatory capital and ratios for CSC (consolidated) and CSB are as follows:


	Actual				Minimum to be Well Capitalized				Minimum Capital Requirement
June 30, 2025	Amount		Ratio		Amount		Ratio		Amount		Ratio (1)
CSC
Common Equity Tier 1 Risk-Based Capital	$	37,504	33.0	%	N/A				$	5,116	4.5	%
Tier 1 Risk-Based Capital	44,267		38.9	%	N/A				6,822		6.0	%
Total Risk-Based Capital	44,297		39.0	%	N/A				9,096		8.0	%
Tier 1 Leverage	44,267		9.8	%	N/A				18,053		4.0	%
Supplementary Leverage Ratio	44,267		9.7	%	N/A				13,634		3.0	%
CSB
Common Equity Tier 1 Risk-Based Capital	$	32,114	42.0	%	$	4,972	6.5	%	$	3,442	4.5	%
Tier 1 Risk-Based Capital	32,114		42.0	%	6,120		8.0	%	4,590		6.0	%
Total Risk-Based Capital	32,137		42.0	%	7,650		10.0	%	6,120		8.0	%
Tier 1 Leverage	32,114		12.2	%	13,205		5.0	%	10,564		4.0	%





Supplementary Leverage Ratio	32,114		12.1	%	N/A				7,991		3.0	%

December 31, 2024
CSC
Common Equity Tier 1 Risk-Based Capital	$	35,995	31.7	%	N/A				$	5,114	4.5	%
Tier 1 Risk-Based Capital	45,186		39.8	%	N/A				6,819		6.0	%
Total Risk-Based Capital	45,218		39.8	%	N/A				9,092		8.0	%
Tier 1 Leverage	45,186		9.9	%	N/A				18,325		4.0	%
Supplementary Leverage Ratio	45,186		9.8	%	N/A				13,836		3.0	%
CSB
Common Equity Tier 1 Risk-Based Capital	$	32,584	41.7	%	$	5,079	6.5	%	$	3,516	4.5	%
Tier 1 Risk-Based Capital	32,584		41.7	%	6,251		8.0	%	4,688		6.0	%
Total Risk-Based Capital	32,606		41.7	%	7,813		10.0	%	6,251		8.0	%
Tier 1 Leverage	32,584		11.6	%	14,035		5.0	%	11,228		4.0	%
Supplementary Leverage Ratio	32,584		11.5	%	N/A				8,479		3.0	%

(1) Under risk-based capital rules, CSC and CSB are also required to maintain additional capital buffers above the regulatory minimum risk-based capital ratios. As of June 30, 2025, CSC was subject to a stress capital buffer of 2.5%. In addition, CSB is required to maintain a capital conservation buffer of 2.5%. CSC and CSB are also required to maintain a countercyclical capital buffer above the regulatory minimum risk-based capital ratios, which was zero for both periods presented. If a buffer falls below the minimum requirement, CSC and CSB would be subject to increasingly strict limits on capital distributions and discretionary bonus payments to executive officers. At June 30, 2025, the minimum capital ratio requirements for both CSC and CSB, inclusive of their respective buffers, were 7.0%, 8.5%, and 10.5% for Common Equity Tier 1 Risk-Based Capital, Tier 1 Risk-Based Capital, and Total Risk-Based Capital, respectively.

N/A Not applicable.

Net Capital and Net Capital Requirements

Net capital and net capital requirements for CS&Co are as follows:


	June 30, 2025		December 31, 2024
CS&Co
Net capital	$	12,043	$	11,112
Minimum dollar requirement	0.250		0.250
2% of aggregate debit balances	2,155		2,049
Net capital in excess of required net capital	9,888		9,063