BanksCIVISTA BANK

CIVISTA BANK

SANDUSKY, OHLargeEst. March 1, 1884, midnightFDIC #12982RSSD #542528FED
Latest · 2025-12-31

CIVISTA BANK is an 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%. CET1 capital ratio: 15.74%, well above regulatory minimums. NPL ratio: 0.94% · Texas Ratio: 4.68%. Operates 40 domestic branches.

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 Margin4.19%
Yield on Assets6.06%
Cost of Funds2.03%

Asset Quality

NPL Ratio0.94%
Net Charge-Off Ratio0.10%
Texas Ratio4.68%
NPA Ratio0.71%
ACL / Loans1.28%

Capital & Liquidity

CET1 Ratio15.74%
Tier 1 Capital15.74%
Total Capital Ratio16.99%
Leverage Ratio12.29%
Loan-to-Deposit93.90%

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