CIVISTA BANK

SANDUSKY, OH | Large | Est. March 1, 1884, midnight | FDIC #12982 | RSSD #542528 | FED
Latest Report: 2025-12-31

CIVISTA BANK is aln large FDIC-insured commercial bank headquartered in SANDUSKY, OH, established in March 1, 1884, midnight. As of 2025-12-31, the bank reported total assets of $4.3B and total deposits of $3.5B. Profitability stands at 1.23% ROA and 8.73% ROE, with a net interest margin of 4.19%. The bank's CET1 capital ratio is 15.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.94% and a Texas Ratio of 4.68%. FDIC Certificate #12982.

Assets

$4.3B

Deposits

$3.5B

Loans

$3.3B

Equity

$617M

Profitability

Return on Assets (ROA) 1.23%
Return on Equity (ROE) 8.73%
Net Interest Margin (NIM) 4.19%
Yield on Assets 6.06%
Cost of Funds 2.17%

Asset Quality

NPL Ratio 0.94%
Net Charge-Off Ratio 0.10%
Texas Ratio 4.68%
NPA Ratio 0.71%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 15.74%
Tier 1 Capital 15.74%
Total Capital Ratio 16.99%
Leverage Ratio 12.29%
Loan-to-Deposit 93.90%

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