Civista Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Civista Bank of Sandusky, OH against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.42% | 1.44% | -0.02% | 61st above |
| ROAE | 9.70% | 12.51% | -2.81% | 29th below |
| Net Interest Margin | 4.01% | 3.84% | +0.17% | 69th above |
| Efficiency Ratio | 56.19% | 58.87% | -2.68% | 57th above |
| PPNR / Avg Assets | 1.87% | 1.78% | +0.09% | 61st above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.68% | 5.71% | -0.03% | 59th above |
| Cost of Funds | 1.64% | 2.03% | -0.39% | 74th above |
| Net Interest Spread | 3.36% | 3.18% | +0.18% | 68th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.93% | 0.96% | -0.03% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.71% | 0.75% | -0.04% | 37th below |
| NCO / Avg Loans | 0.01% | 0.31% | -0.30% | 61st above |
| ACL / Total Loans | 1.28% | 1.25% | +0.03% | 67th above |
| ACL / NPLs (Coverage) | 137.15% | 699.46% | -562.31% | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.68% | 7.16% | -1.48% | 44th below |
| Provision / NCO | 61.14% | 815.53% | -754.39% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.39% | 17.41% | -1.02% | 80th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.39% | 17.44% | -1.05% | 80th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.64% | 18.50% | -0.86% | 80th top |
| Leverage Ratio | 12.71% | 11.59% | +1.12% | 82nd top |
| Equity / Assets | 14.81% | 11.33% | +3.48% | 93rd top |
| TCE / Tangible Assets | 11.95% | 10.65% | +1.30% | 82nd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.61% | 86.34% | +7.27% | 34th below |
| Core Deposit Ratio | 83.31% | 85.56% | -2.25% | 29th below |
| Uninsured Deposit Ratio | 18.30% | 32.73% | -14.43% | 87th top |
| Wholesale Funding Ratio | 2.97% | 5.46% | -2.49% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.63% | 10.46% | -7.83% | 32nd below |
| Loan Growth (Y/Y) | 3.21% | 8.00% | -4.79% | 36th below |
| Deposit Growth (Y/Y) | 8.78% | 7.98% | +0.80% | 71st above |
See Civista Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Civista Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Civista Bank profile, how to read a UBPR, or how this data updates.