Civista Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.36 percentage points to 3.37%. Within Ohio, Civista Bank is 51st of 156 on net interest margin, 4.01% as of Q2 2026, above the middle of the field. Civista Bank reported 4.01% on net interest margin for Q2 2026, 0.30 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.68% |
| Yield on loans | 6.08% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.32% |
| Cost of borrowings | 3.37% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.01% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $49.4M |
| Total interest expense | $16.8M |
| Interest expense on deposits | $15.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.30% | 1.41% | 3.81% | 5.76% | 2.77% |
| Q4 2023 | 5.47% | 1.81% | 3.55% | 5.93% | 2.75% |
| Q1 2024 | 5.53% | 2.10% | 3.29% | 5.95% | 2.76% |
| Q2 2024 | 5.45% | 2.19% | 3.15% | 5.82% | 2.86% |
| Q3 2024 | 5.66% | 2.22% | 3.30% | 6.02% | 2.93% |
| Q4 2024 | 5.67% | 2.05% | 3.49% | 5.97% | 2.89% |
| Q1 2025 | 5.62% | 1.93% | 3.57% | 5.97% | 3.01% |
| Q2 2025 | 5.77% | 1.97% | 3.69% | 6.09% | 3.10% |
| Q3 2025 | 5.66% | 1.94% | 3.65% | 6.13% | 3.16% |
| Q4 2025 | 5.79% | 1.74% | 4.02% | 6.46% | 3.06% |
| Q1 2026 | 5.60% | 1.63% | 3.93% | 5.98% | 3.20% |
| Q2 2026 | 5.68% | 1.64% | 4.01% | 6.08% | 3.15% |
Civista Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Civista Bank, freeSource: Call Report Schedules RI and RC-K, 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)