Bank Comparison
First Business Bank vs Civista Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 18
winning metrics across 24 comparable rows
Capital adequacy
| Metric | First Business Bank | Civista Bank |
|---|---|---|
| CET1 Ratio | 11.04% | 16.49% |
| Tier 1 Capital Ratio | 11.04% | 16.49% |
| Total Capital Ratio | 12.04% | 17.74% |
| Tier 1 Leverage Ratio | 10.16% | 12.63% |
| Equity / Assets | 9.97% | 14.68% |
Profitability
| Metric | First Business Bank | Civista Bank |
|---|---|---|
| Return on Assets (ROA) | 1.28% | 1.45% |
| Return on Equity (ROE) | 12.72% | 10.11% |
| Net Interest Margin (NIM) | 3.61% | 3.93% |
| Yield on Earning Assets | 6.11% | 5.60% |
| Cost of Funds | 2.75% | 1.85% |
Asset quality
| Metric | First Business Bank | Civista Bank |
|---|---|---|
| Texas Ratio | 8.88% | 5.69% |
| Non-Performing Loan Ratio | 1.15% | 0.92% |
| Non-Performing Asset Ratio | 0.94% | 0.70% |
| Net Charge-Off Ratio | 0.25% | 0.09% |
| ACL / Loans | 1.04% | 1.25% |
Balance sheet
| Metric | First Business Bank | Civista Bank |
|---|---|---|
| Total Assets | $4,320M | $4,290M |
| Total Deposits | $3,571M | $3,521M |
| Total Loans | $3,522M | $3,236M |
| Total Equity | $430,824K | $629,946K |
| Net Income (quarter) | $13,582K | $15,761K |
Liquidity & funding
| Metric | First Business Bank | Civista Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 98.62% | 91.91% |
| Core Deposit Ratio | 97.39% | 93.73% |
| Uninsured Deposit Ratio | 34.64% | 18.07% |
Identity
| Metric | First Business Bank | Civista Bank |
|---|---|---|
| Headquarters City | MADISON | SANDUSKY |
| Headquarters State | WI | OH |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 5 | 42 |
| Employees (FTE) | 368 | 547 |
| Established | May 1, 1909, midnight | March 1, 1884, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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