<?xml version="1.0" encoding="utf-8"?>
<!--XBRL document created with Toppan Merrill Bridge  11.4.0.1 -->
<!--Based on XBRL 2.1-->
<!--Created on: 6/29/2026 6:19:47 PM-->
<!--Modified on: 6/29/2026 6:19:47 PM-->
<xsd:schema targetNamespace="http://bankwith-csb.com/20260331" attributeFormDefault="unqualified" elementFormDefault="qualified" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:dei="http://xbrl.sec.gov/dei/2026" xmlns:deprecated="http://www.xbrl.org/2009/role/deprecated" xmlns:dtr="http://www.xbrl.org/2009/dtr" xmlns:ref="http://www.xbrl.org/2006/ref" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:us-gaap="http://fasb.org/us-gaap/2026" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:stpr="http://xbrl.sec.gov/stpr/2026" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:enum2="http://xbrl.org/2020/extensible-enumerations-2.0" xmlns:net="http://www.xbrl.org/2009/role/net" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:negated="http://www.xbrl.org/2009/role/negated" xmlns:srt="http://fasb.org/srt/2026" xmlns:attributeFormDefault="unqualified" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:ecd="http://xbrl.sec.gov/ecd/2026" xmlns:csbf="http://bankwith-csb.com/20260331" xmlns:ecd-sub="http://xbrl.sec.gov/ecd-sub/2026">
  <xsd:annotation>
    <xsd:appinfo>
      <link:roleType roleURI="http://bankwith-csb.com/role/StatementCondensedBalanceSheets" id="StatementCondensedBalanceSheets">
        <link:definition>995200100 - Statement - CONDENSED BALANCE SHEETS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/StatementCondensedStatementsOfIncome" id="StatementCondensedStatementsOfIncome">
        <link:definition>995200200 - Statement - CONDENSED STATEMENTS OF INCOME</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/StatementCondensedStatementsOfComprehensiveIncome" id="StatementCondensedStatementsOfComprehensiveIncome">
        <link:definition>995200300 - Statement - CONDENSED STATEMENTS OF COMPREHENSIVE INCOME</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/StatementCondensedStatementsOfCashFlows" id="StatementCondensedStatementsOfCashFlows">
        <link:definition>995200500 - Statement - CONDENSED STATEMENTS OF CASH FLOWS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureInvestmentSecuritiesAmortizedCostAndFairValueDetails" id="DisclosureInvestmentSecuritiesAmortizedCostAndFairValueDetails">
        <link:definition>99940201 - Disclosure - INVESTMENT SECURITIES - Amortized cost and fair value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureInvestmentSecuritiesContractualMaturityDetails" id="DisclosureInvestmentSecuritiesContractualMaturityDetails">
        <link:definition>99940202 - Disclosure - INVESTMENT SECURITIES - Contractual maturity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureInvestmentSecuritiesContinuousLossPositionDetails" id="DisclosureInvestmentSecuritiesContinuousLossPositionDetails">
        <link:definition>99940203 - Disclosure - INVESTMENT SECURITIES - Continuous loss position (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureLoansMajorClassificationDetails" id="DisclosureLoansMajorClassificationDetails">
        <link:definition>99940301 - Disclosure - LOANS - Major Classification (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureLoansProvisionForCreditLossesDetails" id="DisclosureLoansProvisionForCreditLossesDetails">
        <link:definition>99940305 - Disclosure - LOANS - Provision for Credit Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureDepositsContractualMaturitiesDetails" id="DisclosureDepositsContractualMaturitiesDetails">
        <link:definition>99940401 - Disclosure - DEPOSITS - Contractual Maturities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureOtherBorrowingsContractualMaturitiesDetails" id="DisclosureOtherBorrowingsContractualMaturitiesDetails">
        <link:definition>99940502 - Disclosure - OTHER BORROWINGS - Contractual maturities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureFairValueMeasurementsAssetsMeasuredAtFairValueOnRecurringBasisDetails" id="DisclosureFairValueMeasurementsAssetsMeasuredAtFairValueOnRecurringBasisDetails">
        <link:definition>99940601 - Disclosure - FAIR VALUE MEASUREMENTS - Assets measured at fair value on a recurring basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureIncomeTaxesIncomeTaxProvisionBenefitDetails" id="DisclosureIncomeTaxesIncomeTaxProvisionBenefitDetails">
        <link:definition>99940701 - Disclosure - INCOME TAXES - Income tax provision (benefit) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureIncomeTaxesEffectiveTaxRateReconciliationDetails" id="DisclosureIncomeTaxesEffectiveTaxRateReconciliationDetails">
        <link:definition>99940702 - Disclosure - INCOME TAXES - Effective Tax Rate Reconciliation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureIncomeTaxesNetDeferredTaxAssetDetails" id="DisclosureIncomeTaxesNetDeferredTaxAssetDetails">
        <link:definition>99940704 - Disclosure - INCOME TAXES - Net deferred tax asset (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DocumentDocumentAndEntityInformation" id="DocumentDocumentAndEntityInformation">
        <link:definition>995200090 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/StatementCondensedStatementsOfEquity" id="StatementCondensedStatementsOfEquity">
        <link:definition>995200400 - Statement - CONDENSED STATEMENTS OF EQUITY</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureNatureOfOperationsAndSummaryOfSignificantAccountingPoliciesConcentrationsOfCreditRiskDetails" id="DisclosureNatureOfOperationsAndSummaryOfSignificantAccountingPoliciesConcentrationsOfCreditRiskDetails">
        <link:definition>99940101 - Disclosure - Nature of Operations and Summary of Significant Accounting Policies - Concentrations of credit risk (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureNatureOfOperationsAndSummaryOfSignificantAccountingPoliciesIncomeTaxesDetails" id="DisclosureNatureOfOperationsAndSummaryOfSignificantAccountingPoliciesIncomeTaxesDetails">
        <link:definition>99940102 - Disclosure - Nature of Operations and Summary of Significant Accounting Policies - Income taxes (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureInvestmentSecuritiesNumberAndAggregateDepreciationDetails" id="DisclosureInvestmentSecuritiesNumberAndAggregateDepreciationDetails">
        <link:definition>99940204 - Disclosure - INVESTMENT SECURITIES - Number and aggregate depreciation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureLoansNarrationDetails" id="DisclosureLoansNarrationDetails">
        <link:definition>99940302 - Disclosure - LOANS - Narration (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureLoansAllowanceForCreditLossesDetails" id="DisclosureLoansAllowanceForCreditLossesDetails">
        <link:definition>99940303 - Disclosure - LOANS - Allowance for credit losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureLoansGradingCategoryAndYearDetails" id="DisclosureLoansGradingCategoryAndYearDetails">
        <link:definition>99940306 - Disclosure - LOANS - Grading category and year (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureLoansLoanPortfolioAgingAnalysisDetails" id="DisclosureLoansLoanPortfolioAgingAnalysisDetails">
        <link:definition>99940307 - Disclosure - LOANS - Loan portfolio aging analysis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureLoansNonaccrualLoansDetails" id="DisclosureLoansNonaccrualLoansDetails">
        <link:definition>99940308 - Disclosure - LOANS - Nonaccrual loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureOtherBorrowingsDetails" id="DisclosureOtherBorrowingsDetails">
        <link:definition>99940501 - Disclosure - OTHER BORROWINGS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureFairValueMeasurementsCarryingValueAndEstimatedFairValueDetails" id="DisclosureFairValueMeasurementsCarryingValueAndEstimatedFairValueDetails">
        <link:definition>99940602 - Disclosure - FAIR VALUE MEASUREMENTS - carrying value and estimated fair value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureSubsequentEventsDetails" id="DisclosureSubsequentEventsDetails">
        <link:definition>99941101 - Disclosure - SUBSEQUENT EVENTS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureNatureOfOperationsAndSummaryOfSignificantAccountingPolicies" id="DisclosureNatureOfOperationsAndSummaryOfSignificantAccountingPolicies">
        <link:definition>995210101 - Disclosure - Nature of Operations and Summary of Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureInvestmentSecurities" id="DisclosureInvestmentSecurities">
        <link:definition>995210201 - Disclosure - INVESTMENT SECURITIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureLoans" id="DisclosureLoans">
        <link:definition>995210301 - Disclosure - LOANS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureDeposits" id="DisclosureDeposits">
        <link:definition>995210401 - Disclosure - DEPOSITS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureOtherBorrowings" id="DisclosureOtherBorrowings">
        <link:definition>995210501 - Disclosure - OTHER BORROWINGS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureFairValueMeasurements" id="DisclosureFairValueMeasurements">
        <link:definition>995210601 - Disclosure - FAIR VALUE MEASUREMENTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureIncomeTaxes" id="DisclosureIncomeTaxes">
        <link:definition>995210701 - Disclosure - INCOME TAXES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureEmployeeBenefits" id="DisclosureEmployeeBenefits">
        <link:definition>995210801 - Disclosure - EMPLOYEE BENEFITS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureRetainedEarningsAndRegulatoryCapital" id="DisclosureRetainedEarningsAndRegulatoryCapital">
        <link:definition>995210901 - Disclosure - RETAINED EARNINGS AND REGULATORY CAPITAL</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureCommitmentsAndUncertainties" id="DisclosureCommitmentsAndUncertainties">
        <link:definition>995211001 - Disclosure - COMMITMENTS AND UNCERTAINTIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureSubsequentEvents" id="DisclosureSubsequentEvents">
        <link:definition>995211101 - Disclosure - SUBSEQUENT EVENTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureNatureOfOperationsAndSummaryOfSignificantAccountingPoliciesPolicies" id="DisclosureNatureOfOperationsAndSummaryOfSignificantAccountingPoliciesPolicies">
        <link:definition>99920102 - Disclosure - Nature of Operations and Summary of Significant Accounting Policies (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureInvestmentSecuritiesTables" id="DisclosureInvestmentSecuritiesTables">
        <link:definition>99930203 - Disclosure - INVESTMENT SECURITIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureLoansTables" id="DisclosureLoansTables">
        <link:definition>99930303 - Disclosure - LOANS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureDepositsTables" id="DisclosureDepositsTables">
        <link:definition>99930403 - Disclosure - DEPOSITS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureOtherBorrowingsTables" id="DisclosureOtherBorrowingsTables">
        <link:definition>99930503 - Disclosure - OTHER BORROWINGS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureFairValueMeasurementsTables" id="DisclosureFairValueMeasurementsTables">
        <link:definition>99930603 - Disclosure - FAIR VALUE MEASUREMENTS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureIncomeTaxesTables" id="DisclosureIncomeTaxesTables">
        <link:definition>99930703 - Disclosure - INCOME TAXES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureInvestmentSecuritiesAdditionalInformationDetails" id="DisclosureInvestmentSecuritiesAdditionalInformationDetails">
        <link:definition>99940205 - Disclosure - INVESTMENT SECURITIES - Additional Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureLoansUnfundedLoanCommitmentsDetails" id="DisclosureLoansUnfundedLoanCommitmentsDetails">
        <link:definition>99940304 - Disclosure - LOANS - Unfunded Loan Commitments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureDepositsNarrativeDetails" id="DisclosureDepositsNarrativeDetails">
        <link:definition>99940402 - Disclosure - DEPOSITS - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureIncomeTaxesIncomeTaxesPaidNetOfRefundsDetails" id="DisclosureIncomeTaxesIncomeTaxesPaidNetOfRefundsDetails">
        <link:definition>99940703 - Disclosure - INCOME TAXES - Income taxes paid, net of refunds (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureIncomeTaxesDetails" id="DisclosureIncomeTaxesDetails">
        <link:definition>99940705 - Disclosure - INCOME TAXES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureEmployeeBenefitsDetails" id="DisclosureEmployeeBenefitsDetails">
        <link:definition>99940801 - Disclosure - EMPLOYEE BENEFITS (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureRetainedEarningsAndRegulatoryCapitalDetails" id="DisclosureRetainedEarningsAndRegulatoryCapitalDetails">
        <link:definition>99940901 - Disclosure - RETAINED EARNINGS AND REGULATORY CAPITAL (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureCommitmentsAndUncertaintiesDetails" id="DisclosureCommitmentsAndUncertaintiesDetails">
        <link:definition>99941001 - Disclosure - COMMITMENTS AND UNCERTAINTIES (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:linkbaseRef xlink:type="simple" xlink:href="tmb-20260331_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="tmb-20260331_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="tmb-20260331_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="tmb-20260331_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:roleType roleURI="http://bankwith-csb.com/role/DisclosureStandardAndCustomAxisDomainDefaults" id="DisclosureStandardAndCustomAxisDomainDefaults">
        <link:definition>99900 - Disclosure - Standard And Custom Axis Domain Defaults</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd" />
  <xsd:import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/stpr/2026" schemaLocation="https://xbrl.sec.gov/stpr/2026/stpr-2026.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/ecd/2026" schemaLocation="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd" />
  <xsd:import namespace="https://xbrl.org/2023/calculation-1.1" schemaLocation="https://www.xbrl.org/2023/calculation-1.1.xsd" />
  <import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd" xmlns="http://www.w3.org/2001/XMLSchema" />
  <xsd:import namespace="http://xbrl.sec.gov/ecd-sub/2026" schemaLocation="https://xbrl.sec.gov/ecd/2026/ecd-sub-2026.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceIncomePercent" id="csbf_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceIncomePercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceIncomeAmount" id="csbf_EffectiveIncomeTaxRateReconciliationBankOwnedLifeInsuranceIncomeAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DeferredTaxLiabilitiesFhlbStockDividends" id="csbf_DeferredTaxLiabilitiesFhlbStockDividends" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="OperatingLossCarryforwardsExpectedToBeRealizable" id="csbf_OperatingLossCarryforwardsExpectedToBeRealizable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ScheduleOfSecuritiesInLossPositionAndAggregateDepreciationTableTextBlock" id="csbf_ScheduleOfSecuritiesInLossPositionAndAggregateDepreciationTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CommercialAndConsumerPortfolioSegmentMember" id="csbf_CommercialAndConsumerPortfolioSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="BhgFinancialMember" id="csbf_BhgFinancialMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MunicipalSecuritiesMember" id="csbf_MunicipalSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="MunicipalSecuritiesAndUSGovernmentAgenciesDebtSecuritiesMember" id="csbf_MunicipalSecuritiesAndUSGovernmentAgenciesDebtSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtSecuritiesAvailableForSaleUnrealizedLossPositionAggregateDepreciationPercentage" id="csbf_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAggregateDepreciationPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="NumberOfSecurityHoldingsGreaterThan10PercentOfShareholderSEquity" id="csbf_NumberOfSecurityHoldingsGreaterThan10PercentOfShareholderSEquity" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="ScheduleOfProvisionForCreditLossesTableTextBlock" id="csbf_ScheduleOfProvisionForCreditLossesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="MultifamilyAndNonresidentialMember" id="csbf_MultifamilyAndNonresidentialMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ConstructionAndLandMember" id="csbf_ConstructionAndLandMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="OverdraftOnCustomerDepositMember" id="csbf_OverdraftOnCustomerDepositMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DirectorsAndExecutiveOfficersMember" id="csbf_DirectorsAndExecutiveOfficersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="LoansServicedForOthersUnpaidPrincipalBalance" id="csbf_LoansServicedForOthersUnpaidPrincipalBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FinancingReceivableNonOwnerOccupiedMaximumLoanToValueRatio" id="csbf_FinancingReceivableNonOwnerOccupiedMaximumLoanToValueRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="FinancingReceivableMinimumDebtServiceCoverageRatio" id="csbf_FinancingReceivableMinimumDebtServiceCoverageRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableTermOfLoans" id="csbf_FinancingReceivableTermOfLoans" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestNumberOfLoans" id="csbf_FinancingReceivableExcludingAccruedInterestNumberOfLoans" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ProceedsFromCollectionOfReceivablesFromRelatedParties" id="csbf_ProceedsFromCollectionOfReceivablesFromRelatedParties" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="UnsecuredLineOfCreditMember" id="csbf_UnsecuredLineOfCreditMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="VariableRateLineOfCreditMember" id="csbf_VariableRateLineOfCreditMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtInstrumentWeightedAverageInterestRatePercentageAbstract" id="csbf_DebtInstrumentWeightedAverageInterestRatePercentageAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtWeightedAverageInterestRateYearOne" id="csbf_DebtWeightedAverageInterestRateYearOne" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="DebtWeightedAverageInterestRateYearTwo" id="csbf_DebtWeightedAverageInterestRateYearTwo" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="DebtWeightedAverageInterestRateYearThree" id="csbf_DebtWeightedAverageInterestRateYearThree" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="DebtWeightedAverageInterestRateYearFour" id="csbf_DebtWeightedAverageInterestRateYearFour" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="AccruedInterestReceivableFairValueDisclosure" id="csbf_AccruedInterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AdvancePaymentsByBorrowersForTaxesAndInsuranceFairValueDisclosure" id="csbf_AdvancePaymentsByBorrowersForTaxesAndInsuranceFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AccruedInterestPayableFairValueDisclosure" id="csbf_AccruedInterestPayableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="SecondMortgagesMember" id="csbf_SecondMortgagesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AccruedInterestAndOtherLiabilities" id="csbf_AccruedInterestAndOtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NoninterestIncomeServiceFeeOnDeposits" id="csbf_NoninterestIncomeServiceFeeOnDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NoninterestIncomeLoanServicingFees" id="csbf_NoninterestIncomeLoanServicingFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FranchiseTaxes" id="csbf_FranchiseTaxes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AccretionAmortizationOfFairValueDiscount" id="csbf_AccretionAmortizationOfFairValueDiscount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ProceedsFromPaymentsToBorrowers" id="csbf_ProceedsFromPaymentsToBorrowers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DefinedContributionPlanParticipationEligibilityServicePeriod" id="csbf_DefinedContributionPlanParticipationEligibilityServicePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DefinedContributionPlanProfitSharingEligibilityServicePeriod" id="csbf_DefinedContributionPlanProfitSharingEligibilityServicePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="SupplementalExecutiveRetirementBenefitPaymentPeriod" id="csbf_SupplementalExecutiveRetirementBenefitPaymentPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="MinimumVotesRequiredForApprovalOfConversionPlan" id="csbf_MinimumVotesRequiredForApprovalOfConversionPlan" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="MaximumEmployeeStockOwnershipPlanSubscriptionPercentage" id="csbf_MaximumEmployeeStockOwnershipPlanSubscriptionPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="DeferredConversionCosts" id="csbf_DeferredConversionCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AdditionalDeferredConversionCosts" id="csbf_AdditionalDeferredConversionCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
</xsd:schema>
