Civista Bank
Sandusky, OH
IDRSSD: 542528
Total Assets
$4.33B
Latest filing
Total Deposits
$3.49B
Latest filing
Net Interest Margin
4.22%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
041201635SANDUSKY, OH
Key People
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Locations
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Main Office
Civista Bank
100 E Water St
Sandusky, OH 44870
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/01/1884FDIC Certificate 8205
Branches (41)
Page 1 of 6| Name | Address | City / State |
|---|---|---|
| Civista Bank (Main) | 100 E Water St | Sandusky, OH |
| NEW WASHINGTON BRANCH | 102 S Kibler St | New Washington, OH |
| FARMERS SAVINGS BRANCH | 111 W Main St | Spencer, OH |
| WELLINGTON BRANCH | 502 S Main St | Wellington, OH |
| NORWALK BRANCH | 207 Milan Ave | Norwalk, OH |
| PLYMOUTH BRANCH | 49 Sandusky St | Plymouth, OH |
| MANSFIELD AVENUE BRANCH | 156 Mansfield Ave | Shelby, OH |
| NORTH GAMBLE STREET BRANCH | 200 N Gamble St | Shelby, OH |
Showing 7 of 41
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 03/01/1884 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 44870 |
| State and County Number | 39043 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Sandusky, OH |
Operational Info
| Number of Employees | 524 |
| Domestic Offices | 40 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/07/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.civistabank.com |
| Data Updated | 01/30/2026 |
| CERT | 12982 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.33B |
| Total Deposits | $3.49B |
| Total Liabilities | $3.71B |
| Total Equity Capital | $617.07M |
| Net Income | $12.95M |
| Net Loans and Leases | $3.24B |
| Assets Per Employee ($Millions) | $7.91M |
| Bank Premises and Fixed Assets | $43.00M |
| Cash and Balances due from Depository Institutions | $74.73M |
| Deposits Held in Domestic Offices | $3.49B |
Key Performance Ratios
| Return on Assets (ROA) | 1.23% |
| Return on Equity (ROE) | 8.73% |
| Net Interest Margin | 4.22% |
| Efficiency Ratio | 63.8% |
| Tier 1 Risk-Based Capital Ratio | 15.723% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.263% |
| Earning Assets to total Assets | 91.46% |
Income and Expense
| Total Interest Income | $58.77M |
| Total Noninterest Income | $6.84M |
| Total Interest Expense | $18.15M |
| Total Noninterest Expense | $30.85M |
| Net Interest Income | $40.62M |
| Pre-tax Net Operating Income | $16.02M |
| Provision for Credit Losses | $585.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $179.94M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $33.51M |
| Total Liabilities and Capital | $4.33B |
Securities
| Securities | $680.42M |
| Available-for-sale debt securities | $680.42M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $3.49M |
| Trading Liabilities | $5.67M |
Frequently Asked Questions
What are the total assets of Civista Bank?
$4.33B as of the latest filing.
How much are Civista Bank's total deposits?
$3.49B in total deposits.
Where is Civista Bank located?
Sandusky, OH.
What is the Net Interest Margin?
4.22%.
How many domestic offices does it operate?
40.
When was it established?
03/01/1884.
What is the Return on Assets (ROA)?
1.23%.
How much are total loans and leases?
$3.24B (latest filing).
What is the total interest income (latest filing)?
$58.77M.