CSB Bank Share Price Drops Over 13% on Q3 FY26 Earnings Results

CSB Bank Limited has announced its unaudited financial results for the quarter and 9 months ended December 31, 2025, following approval by its Board of Directors. 

CSB Bank Q3 FY26 Earnings Results 

For the quarter ended December 31, 2025, CSB Bank reported net interest income of ₹453 crore, up 21% from ₹375 crore in Q3 FY25 and up 7% compared to ₹424 crore in Q2 FY26. Other income increased 26% year on year to ₹276 crore. 

Operating Profit and PAT Movement of CSB Bank 

Operating profit for Q3 FY26 stood at ₹292 crore, registering a 32% year on year increase from ₹221 crore and a 5% rise quarter on quarter. Profit after tax came in at ₹153 crore, marginally up by 1% from ₹152 crore in Q3 FY25, while declining 5% from ₹160 crore in Q2 FY26. 

Business Growth in Deposits and Advances 

Total deposits grew 21% year on year to ₹40,460 crore as on December 31, 2025, compared to ₹33,407 crore last year and were up 2% quarter on quarter. Net advances rose 28% year on year to ₹36,677 crore from ₹28,639 crore and increased 7% over the previous quarter. 

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Income and Cost Metrics 

Interest income rose 26% year on year to ₹1,154 crore, while interest expense increased 29% to ₹701 crore. The cost to income ratio improved to 60% in Q3 FY26 from 63% in Q3 FY25 and 64% in Q2 FY26. 

Asset Quality and Capital Position 

Gross non performing assets stood at 1.96% as on December 31, 2025, compared to 1.81% in the previous quarter. Net non performing assets increased to 0.67% from 0.52% quarter on quarter. Capital adequacy ratio remained healthy at 19.41%. 

CSB Bank Share Price Performance 

As of January 28, 2026, at 3:16 PM, CSB Bank share price on NSE was trading at ₹420.10 down by 15.93% from the previous closing price. 

Conclusion 

CSB Bank delivered growth in core income, deposits and advances during Q3 FY26, with stable profitability and capital metrics. The bank has disclosed its unaudited results in compliance with SEBI Listing Regulations. 

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