Civista Bank
Civista Bank reported total assets of $4.3 bn at Q2 2026, up 2.6% on a year earlier, the 317th largest of 497 banks in our US coverage. The CET1 capital ratio at Civista Bank was 16.39%, and the uninsured share of Civista Bank was 18.30%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Civista Bank climbed from 319th to 74th among 448 US banks between and (1 = highest; FDIC Call Reports).
- Since , Civista Bank has taken over 3 institutions; the latest was The Farmers Savings Bank on (FDIC Call Reports).
What sets Civista Bank apart
How large is Civista Bank?
The balance sheet of Civista Bank at : assets $4.3 bn, deposits $3.5 bn, net loans $3.2 bn (loans equal to 92.42% of deposits). Securities make up 15.6% of total assets at Civista Bank. Since , when Civista Bank held $1.5 bn, its assets grew 184.7%. In the year to , deposits at Civista Bank rose 8.8% while its total assets rose 2.6%. At , Civista Bank employed 560 full-time equivalent staff across 42 offices, about $7.7 mn of assets per employee and $83.0 mn of deposits per office.
How much funding at Civista Bank is uninsured?
At Civista Bank, uninsured deposits (above the FDIC limit) made up 18.30% of domestic deposits at (+4.04 pp on a year earlier); Civista Bank ranks 423rd of 500 on this measure. In dollars, Civista Bank estimated $638.1 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.5 bn | +8.8% | 319th of 499 |
| Net loans and leases | $3.2 bn | +3.2% | 300th of 500 |
| Loan-to-deposit ratio | 92.42% | -4.99 pp | 154th of 500 |
| Tier 1 leverage ratio | 12.71% | +3.06 pp | 67th of 500 |
| Total risk-based capital ratio | 17.64% | +4.14 pp | 79th of 448 |
| Net interest margin | 4.02% | +0.32 pp | 135th of 500 |
| Return on assets (ROA) | 1.45% | +0.29 pp | 174th of 500 |
| Efficiency ratio | 58.42% | -4.43 pp | 304th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $44.6 mn | Narrowed by $18.4 mn | |
| Noncurrent loans to total loans | 0.92% | +0.19 pp | 343rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.05% | -0.06 pp | 190th of 500 (1 = lowest) |
US rank of Civista Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Civista Bank: assets, deposits and loans
- Total assets $4.3bn
- Deposits $3.5bn
- Net loans $3.2bn
Capital and securities
The CET1 ratio of Civista Bank stood at 16.39% in , +4.14 pp year on year. Low and high at Civista Bank since : 10.25% () to 16.49% (). Equity capital of Civista Bank at : $634.9 mn, or 14.8% of total assets. Civista Bank also reported a total capital ratio of 17.64% for , and a tier 1 leverage ratio of 12.71%.
The available-for-sale portfolio of Civista Bank showed an unrealized loss of $44.6 mn at ; the loss narrowed by $18.4 mn over the year.
Civista Bank: capital ratios
- Total capital 18%
- CET1 16%
- Tier 1 leverage 13%
Civista Bank: unrealized securities gains and losses
- Available for sale -$45mn
- Held to maturity $0
Profitability and loan quality
For the year to , Civista Bank earned a return on equity of 9.91%; return on assets: 1.45%. Net interest margin at Civista Bank: 4.02%, +0.32 pp in a year. Civista Bank net income: $31.1 mn, up 29.7% year on year. The efficiency ratio of Civista Bank was 58.42%: about 58 cents cost per revenue dollar, against 53 cents at the median peer.
At , noncurrent loans were 0.92% of total loans at Civista Bank; net charge-offs: 0.05% of average loans. Gross loans and leases at Civista Bank: $3.3 bn, up 3.2% in a year.
Civista Bank: profitability
- Return on equity 9.9%
- Net interest margin 4.0%
- Return on assets 1.4%
Peer group of Civista Bank
The peer group of Civista Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Civista Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Ohio. Against them, Civista Bank shows CET1 ratio 16.39% against a peer median of 14.95%, return on equity 9.91% against a peer median of 12.39% and uninsured deposit share 18.30% against a peer median of 47.36%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Texas Bank and Trust Company | State nonmember bank | TX | $4.3 bn | 15.85% | 12.39% | 47.26% | |
| Primis Bank | State member bank | VA | $4.3 bn | 10.63% | 9.10% | 22.93% | |
| NATIONAL COOPERATIVE BANK | National bank | OH | $4.3 bn | 14.05% | 12.40% | 56.73% | |
| Civista Bank | State member bank | OH | $4.3 bn | 16.39% | 9.91% | 18.30% | |
| The First Bank and Trust Company | State member bank | VA | $4.3 bn | 12.58% | 18.63% | 41.53% | |
| Royal Business Bank | State nonmember bank | CA | $4.3 bn | 19.68% | 8.32% | 50.67% | |
| Inwood National Bank | National bank | TX | $4.3 bn | 16.18% | 14.11% | 47.46% | |
. FDIC Call Reports.
Last eight quarters
Two years at Civista Bank, to : assets +5.8%, deposits +8.1%, equity +33.8%. Staff 518 to 560; offices 41 to 42.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.1 bn | $4.1 bn | $4.1 bn | $4.2 bn | $4.1 bn | $4.3 bn | $4.3 bn | $4.3 bn |
| Total deposits | $3.2 bn | $3.2 bn | $3.3 bn | $3.2 bn | $3.2 bn | $3.5 bn | $3.5 bn | $3.5 bn |
| Bank equity capital | $474.4 mn | $460.1 mn | $467.6 mn | $472.0 mn | $569.7 mn | $617.1 mn | $629.9 mn | $634.9 mn |
| CET1 ratio | 11.72% | 11.60% | 12.11% | 12.25% | 15.38% | 15.74% | 16.49% | 16.39% |
| Return on equity (ROE) | 7.30% | 7.79% | 10.05% | 10.28% | 10.24% | 9.82% | 10.11% | 9.91% |
| Uninsured share of domestic deposits | 15.44% | 14.70% | 14.05% | 14.26% | 15.81% | 18.55% | 18.07% | 18.30% |
| Full-time equivalent employees | 518 | 519 | 519 | 532 | 524 | 547 | 547 | 560 |
| Number of offices | 41 | 40 | 40 | 40 | 40 | 42 | 42 | 42 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Civista Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed United Community Bank (FDIC certificate 29620).
- . Absorbed The Henry County Bank (FDIC certificate 15384).
- . Absorbed The Farmers Savings Bank (FDIC certificate 2290).
Large one-quarter moves at Civista Bank
- Total assets at Civista Bank changed by +34.7% in the quarter to 2018-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from United Community Bank.
Questions and identifiers
What were the total assets of Civista Bank?
Civista Bank reported $4.3 bn at in its Call Report. That makes Civista Bank the 317th largest of 497 banks in our US coverage.
Is Civista Bank the same as its holding company?
No. This page covers Civista Bank, FDIC certificate 12982; CIVISTA BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Civista Bank profitable?
Civista Bank reported net income of $31.1 mn for the year to ; annualized return on equity: 9.91%. So yes: Civista Bank made a profit over these months.
When is data for Civista Bank next updated?
Figures from Civista Bank for are due after .
Where can I check the figures for Civista Bank?
In the FDIC BankFind Suite record for certificate 12982, and in the Call Reports of Civista Bank (RSSD ID 542528) at the FFIEC Central Data Repository.