Civista Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1.75 percentage points higher than in Q1 2026, at 137.15%. Civista Bank ranks 35th of 156 Ohio banks on return on assets, in the upper half at 1.42% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Civista Bank sits 0.14 points higher, at 1.42% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.39% |
| Tier 1 risk-based capital ratio | 16.39% |
| Total risk-based capital ratio | 17.64% |
| Tier 1 leverage ratio | 12.71% |
| Equity capital to assets | 14.81% |
| Tangible equity to tangible assets | 11.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.93% |
| Non-performing assets ratio | 0.71% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 5.68% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 137.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 9.70% |
| Net interest margin | 4.01% |
| Efficiency ratio | 56.19% |
| Yield on earning assets | 5.68% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.61% |
| Core deposits to total deposits | 83.31% |
| Brokered deposits to total deposits | 10.04% |
| Deposits to assets | 81.33% |
| Securities to assets | 15.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.39% | 12.39% | 13.65% | 10.02% | 1.23% |
| Q4 2023 | 12.28% | 12.28% | 13.53% | 9.80% | 1.09% |
| Q1 2024 | 12.27% | 12.27% | 13.52% | 9.68% | 0.75% |
| Q2 2024 | 11.59% | 11.59% | 12.84% | 9.59% | 0.80% |
| Q3 2024 | 11.72% | 11.72% | 12.97% | 9.67% | 0.95% |
| Q4 2024 | 11.60% | 11.60% | 12.85% | 9.62% | 1.04% |
| Q1 2025 | 12.11% | 12.11% | 13.36% | 9.58% | 1.12% |
| Q2 2025 | 12.25% | 12.25% | 13.50% | 9.65% | 1.17% |
| Q3 2025 | 15.38% | 15.38% | 16.63% | 11.89% | 1.33% |
| Q4 2025 | 15.74% | 15.74% | 16.99% | 12.29% | 1.20% |
| Q1 2026 | 16.49% | 16.49% | 17.74% | 12.63% | 1.45% |
| Q2 2026 | 16.39% | 16.39% | 17.64% | 12.71% | 1.42% |
Civista Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Civista Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)