Civista Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income climbed 9.2% in Q2 2026, from -$38.5M to -$34.9M. It was the largest change from Q1 2026 among the key lines here. Civista Bank ranks 26th of 84 Ohio banks on CET1 ratio, in the upper half at 16.39% (Q2 2026). Civista Bank reported 16.39% on CET1 ratio for Q2 2026, 2.91 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.39% |
| Tier 1 risk-based capital ratio | 16.39% |
| Total risk-based capital ratio | 17.64% |
| Tier 1 leverage ratio | 12.71% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $532.3M |
| Tier 1 capital | $532.3M |
| Total risk-based capital | $572.9M |
| Total equity capital | $634.9M |
| Risk-weighted assets | $3.25B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.81% |
| Tangible equity to tangible assets | 11.95% |
| Equity capital to average assets | 14.67% |
| Internal capital growth rate | 0.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $11.7M |
| Common stock surplus | $522.6M |
| Retained earnings | $135.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$34.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.39% | 12.39% | 13.65% | 10.02% | $2.89B |
| Q4 2023 | 12.28% | 12.28% | 13.53% | 9.80% | $2.96B |
| Q1 2024 | 12.27% | 12.27% | 13.52% | 9.68% | $2.98B |
| Q2 2024 | 11.59% | 11.59% | 12.84% | 9.59% | $3.19B |
| Q3 2024 | 11.72% | 11.72% | 12.97% | 9.67% | $3.24B |
| Q4 2024 | 11.60% | 11.60% | 12.85% | 9.62% | $3.27B |
| Q1 2025 | 12.11% | 12.11% | 13.36% | 9.58% | $3.19B |
| Q2 2025 | 12.25% | 12.25% | 13.50% | 9.65% | $3.21B |
| Q3 2025 | 15.38% | 15.38% | 16.63% | 11.89% | $3.13B |
| Q4 2025 | 15.74% | 15.74% | 16.99% | 12.29% | $3.27B |
| Q1 2026 | 16.49% | 16.49% | 17.74% | 12.63% | $3.22B |
| Q2 2026 | 16.39% | 16.39% | 17.64% | 12.71% | $3.25B |
Civista Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Civista Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Civista Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12982) · FFIEC NIC profile (RSSD 542528)