Civista Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 25.8% lower than in Q1 2026, at $60.7M. Civista Bank ranks 38th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 93.61% (Q2 2026). Civista Bank reported 93.61% on loan-to-deposit ratio for Q2 2026, 5.41 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $60.7M |
| Cash and noninterest-bearing balances to assets | 1.42% |
| Cash and securities | $728.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $127.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.97% |
| Trading liabilities | $6.6M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.61% |
| Net loans and leases to deposits | 92.42% |
| Loans and leases to core deposits | 100.27% |
| Core deposits to total deposits | 83.31% |
| Brokered deposits to total deposits | 10.04% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 98.27% | 86.66% | $0 | $445.0M |
| Q4 2023 | 95.67% | 79.48% | $0 | $350.3M |
| Q1 2024 | 97.03% | 78.98% | $0 | $378.8M |
| Q2 2024 | 101.17% | 78.74% | $0 | $509.5M |
| Q3 2024 | 94.64% | 79.28% | $0 | $295.0M |
| Q4 2024 | 95.69% | 80.58% | $0 | $346.8M |
| Q1 2025 | 95.62% | 81.34% | $0 | $367.5M |
| Q2 2025 | 98.66% | 80.74% | $0 | $440.0M |
| Q3 2025 | 95.79% | 81.12% | $0 | $237.7M |
| Q4 2025 | 93.90% | 81.62% | $0 | $179.9M |
| Q1 2026 | 91.91% | 83.02% | $0 | $104.3M |
| Q2 2026 | 93.61% | 83.31% | $0 | $127.2M |
Civista Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Civista Bank, freeSource: Call Report Schedules RC and RC-M, 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)