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Civista Bank

Sandusky, OH
IDRSSD: 542528
Total Assets
$4.11B
Latest filing
Total Deposits
$3.24B
Latest filing
Net Interest Margin
3.71%
Profitability
0

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 ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date03/01/1884
Community BankNo
Ownership TypeNot Mutual
ZIP44870
State and County Number39043
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number04
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameSandusky, OH

Operational Info

Number of Employees532
Domestic Offices40
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2023
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.civistabank.com
Data Updated11/14/2025
CERT12982
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$4.11B
Total Deposits$3.24B
Total Liabilities$3.54B
Total Equity Capital$569.67M
Net Income$13.85M
Net Loans and Leases$3.06B
Assets Per Employee ($Millions)$7.83M
Bank Premises and Fixed Assets$43.47M
Cash and Balances due from Depository Institutions$59.90M
Deposits Held in Domestic Offices$3.24B

Key Performance Ratios

Return on Assets (ROA)1.34%
Return on Equity (ROE)10.64%
Net Interest Margin3.71%
Efficiency Ratio60.98%
Tier 1 Risk-Based Capital Ratio15.383%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.02%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets13.876%
Earning Assets to total Assets91.16%

Income and Expense

Total Interest Income$54.43M
Total Noninterest Income$10.14M
Total Interest Expense$19.52M
Total Noninterest Expense$27.78M
Net Interest Income$34.90M
Pre-tax Net Operating Income$17.06M
Provision for Credit Losses$200.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$237.67M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$51.39M
Total Liabilities and Capital$4.11B

Securities

Securities$653.14M
Available-for-sale debt securities$653.14M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$3.63M
Trading Liabilities$6.22M

Frequently Asked Questions

What are the total assets of Civista Bank?
$4.11B as of the latest filing.
How much are Civista Bank's total deposits?
$3.24B in total deposits.
Where is Civista Bank located?
Sandusky, OH.
What is the Net Interest Margin?
3.71%.
How many domestic offices does it operate?
40.
When was it established?
03/01/1884.
What is the Return on Assets (ROA)?
1.34%.
How much are total loans and leases?
$3.06B (latest filing).
What is the total interest income (latest filing)?
$54.43M.