Civista Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 22.6% higher than in Q1 2026, at $8.5M. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.26B |
| Net loans and leases | $3.22B |
| Loans held for sale | $8.5M |
| Loans to total assets | 76.13% |
| Loan-to-deposit ratio | 93.61% |
| Net loans to equity capital | 5.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.20% |
| Multifamily (5+ residential) | 9.42% |
| Commercial and industrial | 9.46% |
| Consumer | 0.97% |
| Credit cards | 0.00% |
| Farm | 0.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 260.49% |
| Construction concentration (Tier 1 capital + allowance) | 46.25% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.08% |
| Interest income on loans | $49.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.76B | $2.81B | 43.93% | 10.78% | 0.66% |
| Q4 2023 | $2.86B | $2.99B | 44.00% | 10.28% | 0.60% |
| Q1 2024 | $2.90B | $2.99B | 43.43% | 10.27% | 0.54% |
| Q2 2024 | $3.02B | $2.99B | 42.89% | 10.37% | 0.50% |
| Q3 2024 | $3.05B | $3.23B | 41.98% | 9.77% | 0.46% |
| Q4 2024 | $3.08B | $3.22B | 41.63% | 10.31% | 0.41% |
| Q1 2025 | $3.11B | $3.25B | 41.53% | 10.47% | 0.36% |
| Q2 2025 | $3.16B | $3.20B | 41.15% | 10.53% | 0.34% |
| Q3 2025 | $3.10B | $3.24B | 41.38% | 9.53% | 0.32% |
| Q4 2025 | $3.28B | $3.49B | 40.03% | 9.05% | 1.05% |
| Q1 2026 | $3.24B | $3.52B | 40.25% | 9.41% | 1.01% |
| Q2 2026 | $3.26B | $3.49B | 40.20% | 9.46% | 0.97% |
Civista Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Civista Bank, freeSource: Call Report Schedule RC-C, 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)