Civista Bank
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Data as of · sourced from FFIEC call reports. How we update
Civista Bank is an FDIC-insured commercial bank headquartered in Sandusky, OH, established in 1884 (FDIC certificate 12982), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $4.29B, up 2.6% from Q2 2025, the 13th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 16.39% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 12982
- Headquarters
- Sandusky, OH
- Established
- 1884
- Total assets, Q2 2026
- $4.29B
- Assets vs Q2 2025
- +2.6%
- CET1 ratio, Q2 2026
- 16.39%
- Domestic offices
- 42 FDIC institution directory, current count
- Routing number
- 041201635
- Latest call report
- Q2 2026, FFIEC 041 · Civista Bank call report
- Holding company
- CIVISTA BANCSHARES, INC
- Asset rank in state
- 13th of 154 in Ohio
Civista Bank, based in Sandusky, Ohio, reported $4.3 billion in assets at June 30, 2026, up 2.6% from a year earlier. It holds about a fifth of its deposits (18%) above the FDIC insurance limit, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also funds 12.71% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.52%).
Net income for the quarter rose 25% from a year earlier, to $15 million. Over the same year, loans grew 3.2% and deposits grew 8.8%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.92% of loans from 0.73% a year earlier.
As of June 30, 2026, Civista Bank reported a CET1 capital ratio of 16.39%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.92% and a Texas ratio of 5.58%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Civista Bank is the 13th largest of the 154 banks headquartered in Ohio. Between Q1 2026 and Q2 2026, its total assets fell 0.1% to $4.29B, loans rose 0.8% and deposits fell 1.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 29.6% of total loans, followed by non-owner-occupied commercial real estate loans at 28.3%. Its 42 offices in the FDIC Summary of Deposits are in 35 cities across 2 states; its Sandusky 3 offices book 30% of its branch deposits. On its Q2 2026 call report, Civista Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 E Water St, Sandusky, OH 44870
- County
- Erie
- Metro Area
- Sandusky, OH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 1, 1884
- Domestic offices
- 42 FDIC institution directory, current count
- Employees (FTE)
- 560
- Domestic deposits
- $3.49B
- Allowance for credit losses
- $41.7M
- Net charge-offs (YTD)
- $790K
- Average total assets
- $4.33B
- Average total loans
- $3.21B
- Average interest-bearing deposits
- $3.27B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12982
- Fed RSSD
- 542528
- SEC CIK
- 944745 → filed by CIVISTA BANCSHARES, INC
- Website
- www.civista.bank →
- Parent Holding Company
- CIVISTA BANCSHARES, INC (RSSD 1246533) · CIVB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Dennis G Shaffer | CEO | CEO |
| Charles A. Parcher | PRES | President |
| Ian Whinnem | CFO | SVP/CFO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Civista Bank's total assets ran between $3.72B (Q3 2023) and $4.33B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.29B total assets against $4.18B; $3.65B total liabilities against $3.70B.
$3.22B net loans and leases against $3.12B; $3.49B total deposits against $3.20B.
$667.3M securities against $642.4M; $60.7M cash and balances due against $70.0M.
$56.7M total interest income against $55.7M; $16.8M total interest expense against $20.3M.
$39.9M net interest income against $35.4M.
$8.7M total noninterest income against $7.2M; $28.3M total noninterest expense against $27.2M.
$1.8M provision for credit losses against $1.0M.
$15.3M net income against $12.3M.
1.42% return on assets against 1.17%; 4.01% net interest margin against 3.69%.
16.39% CET1 capital ratio against 12.25%; 12.71% tier 1 leverage ratio against 9.65%.
Inside the full Civista Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Civista Bank rankings
Its closest position to the top of a national ranking is 314 of 4,196, for total assets; its furthest is 845 of 980, for uninsured deposits.
Banks merged into Civista Bank
- The Farmers Savings Bank, effective November 7, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.95% (Q3 2024) to 1.45% (Q1 2026) and its net interest margin ran from 3.30% (Q3 2024) to 4.02% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.39% | 1.42% | 0.92% | 5.58% | 4.01% |
| Q1 2026 | 16.49% | 1.45% | 0.92% | 5.59% | 3.93% |
| Q4 2025 | 15.74% | 1.20% | 0.95% | 6.04% | 4.02% |
| Q3 2025 | 15.38% | 1.33% | 0.74% | 4.76% | 3.65% |
| Q2 2025 | 12.25% | 1.17% | 0.73% | 6.06% | 3.69% |
| Q1 2025 | 12.11% | 1.12% | 1.00% | 8.30% | 3.57% |
| Q4 2024 | 11.60% | 1.04% | 1.01% | 8.44% | 3.49% |
| Q3 2024 | 11.72% | 0.95% | 0.54% | 4.30% | 3.30% |
Swipe the table sideways to see every column.
Branch Network
View all 42 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Civista Bank (main office) | Sandusky , OH | 44870 | $858.1M |
| Eads Parkway Branch | Lawrenceburg , IN | 47025 | $208.7M |
| Farmers Savings Branch | Spencer , OH | 44275 | $160.7M |
| East Seminary Street Branch | Norwalk , OH | 44857 | $142.2M |
| Urbana Branch | Urbana , OH | 43078 | $140.5M |
| Lawrenceburg Branch | Lawrenceburg , IN | 47025 | $123.2M |
| Beachwood Office | Beachwood , OH | 44122 | $107.5M |
| Akron Branch | Akron , OH | 44333 | $97.6M |
| East Perkins Branch | Sandusky , OH | 44870 | $93.4M |
| Aurora Branch | Aurora , IN | 47001 | $91.3M |
| Dublin Financial Service Branch | Dublin , OH | 43016 | $88.1M |
| E. Washington St Branch | Napoleon , OH | 43545 | $84.0M |
| Mansfield Avenue Branch | Shelby , OH | 44875 | $83.7M |
| West Perkins Branch | Sandusky , OH | 44870 | $83.5M |
| The Castalia Banking Company Branch | Castalia , OH | 44824 | $80.3M |
| St. Leon Branch | West Harrison , IN | 47060 | $73.4M |
| Wellington Branch | Wellington , OH | 44090 | $72.4M |
| Huron Branch | Huron , OH | 44839 | $68.4M |
| New Washington Branch | New Washington , OH | 44854 | $68.3M |
| Stateline Road Branch | Lawrenceburg , IN | 47025 | $62.7M |
| Milan Branch | Milan , IN | 47031 | $54.1M |
| West Liberty Branch | West Liberty , OH | 43357 | $53.3M |
| Norwalk Branch | Norwalk , OH | 44857 | $52.3M |
| Springboro Pike Branch | Miamisburg , OH | 45342 | $48.5M |
| Whipp Road Branch | Dayton , OH | 45459 | $46.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 7, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 7, 2025 | Structure Change | Acquired The Farmers Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2023 | Structure Change | Acquired Vision Financial Group Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2022 | Structure Change | Acquired The Henry County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 15, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 15, 2018 | Structure Change | Acquired United Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 7, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 2015 | Structure Change | Acquired The Citizens National Bank of Southwestern Ohio Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2009 | Structure Change | Acquired SCC Resources, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 18, 2007 | Structure Change | Acquired Champaign National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 4, 2007 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 4, 2007 | Structure Change | Acquired Miami Valley Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 25, 2006 | Structure Change | Acquired MR. Money Finance Company, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 2005 | Structure Change | Acquired First Citizens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2003 | Structure Change | Acquired The Castalia Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2002 | Structure Change | Acquired The Citizens National Bank of Norwalk Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 21 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action April 10, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in OH, rank 18 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,156 applications, 1,643 loans originated, $442.8M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $2.0M approved, $328K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Civista Bank
What are Civista Bank's total assets?
As of the Q2 2026 filing, Civista Bank reported total assets of $4.29 billion in its FFIEC call report.
Where is Civista Bank headquartered?
It is headquartered in Sandusky, OH, United States.
When was Civista Bank founded?
It was established in 1884, per the FDIC institution directory.
Is Civista Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12982). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Civista Bank?
Civista Bank's primary federal regulator is the Federal Reserve.
What is Civista Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.39% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Civista Bank operate?
It operates 42 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Civista Bank's Texas Ratio?
Its Texas Ratio is 5.58% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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