Civista Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Sandusky, Civista Bank serves the Ohio market as a community-focused commercial bank. Civista's Q2 2026 balance sheet shows $4.3B in assets funded primarily by $3.5B in customer deposits. Returns are notably above industry norms: 1.42% ROA, 9.70% ROE, and 4.01% NIM. Capital cushions are healthy: 16.39% CET1, 12.71% Tier 1 leverage. Asset quality is solid, 0.93% nonperforming loans and a 5.68% Texas Ratio. Its footprint covers 42 branches concentrated in Ohio.
As of June 30, 2026, Civista Bank reported a CET1 capital ratio of 16.39%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.93%, a Texas ratio of 5.68%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 100 E Water St, Sandusky, OH 44870
- County
- Erie
- Metro Area
- Sandusky, OH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 1, 1884
- Offices
- 42 domestic
- Employees (FTE)
- 560
- Domestic deposits
- $3.49B
- Allowance for credit losses
- $41.7M
- Net charge-offs (YTD)
- $790K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12982
- Fed RSSD
- 542528
- SEC CIK
- 944745 → filed by CIVISTA BANCSHARES, INC
- Website
- www.civista.bank →
- Parent Holding Company
- CIVISTA BANCSHARES, INC (RSSD 1246533) · CIVB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Shaffer Dennis G | CEO | CEO |
| Whinnem Ian | CFO | SVP/CFO |
| Parcher Charles A. | PRES | President |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Civista Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Civista Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Civista Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Civista Bank
- The Farmers Savings Bank, effective November 7, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.39% | 1.42% | 0.93% | 5.68% | 4.01% |
| Q1 2026 | 16.49% | 1.45% | 0.92% | 5.69% | 3.93% |
| Q4 2025 | 15.74% | 1.20% | 0.94% | 6.04% | 4.02% |
| Q3 2025 | 15.38% | 1.33% | 0.73% | 4.76% | 3.65% |
| Q2 2025 | 12.25% | 1.17% | 0.72% | 6.06% | 3.69% |
| Q1 2025 | 12.11% | 1.12% | 1.00% | 8.30% | 3.57% |
| Q4 2024 | 11.60% | 1.04% | 1.06% | 8.87% | 3.49% |
| Q3 2024 | 11.72% | 0.95% | 0.59% | 4.73% | 3.30% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 42 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Civista Bank (main office) | Sandusky , OH | 44870 | $858.1M |
| Eads Parkway Branch | Lawrenceburg , IN | 47025 | $208.7M |
| Farmers Savings Branch | Spencer , OH | 44275 | $160.7M |
| East Seminary Street Branch | Norwalk , OH | 44857 | $142.2M |
| Urbana Branch | Urbana , OH | 43078 | $140.5M |
| Lawrenceburg Branch | Lawrenceburg , IN | 47025 | $123.2M |
| Beachwood Office | Beachwood , OH | 44122 | $107.5M |
| Akron Branch | Akron , OH | 44333 | $97.6M |
| East Perkins Branch | Sandusky , OH | 44870 | $93.4M |
| Aurora Branch | Aurora , IN | 47001 | $91.3M |
| Dublin Financial Service Branch | Dublin , OH | 43016 | $88.1M |
| E. Washington St Branch | Napoleon , OH | 43545 | $84.0M |
| Mansfield Avenue Branch | Shelby , OH | 44875 | $83.7M |
| West Perkins Branch | Sandusky , OH | 44870 | $83.5M |
| The Castalia Banking Company Branch | Castalia , OH | 44824 | $80.3M |
| St. Leon Branch | West Harrison , IN | 47060 | $73.4M |
| Wellington Branch | Wellington , OH | 44090 | $72.4M |
| Huron Branch | Huron , OH | 44839 | $68.4M |
| New Washington Branch | New Washington , OH | 44854 | $68.3M |
| Stateline Road Branch | Lawrenceburg , IN | 47025 | $62.7M |
| Milan Branch | Milan , IN | 47031 | $54.1M |
| West Liberty Branch | West Liberty , OH | 43357 | $53.3M |
| Norwalk Branch | Norwalk , OH | 44857 | $52.3M |
| Springboro Pike Branch | Miamisburg , OH | 45342 | $48.5M |
| Whipp Road Branch | Dayton , OH | 45459 | $46.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 7, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 7, 2025 | Structure Change | Acquired The Farmers Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2023 | Structure Change | Acquired Vision Financial Group Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2022 | Structure Change | Acquired The Henry County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 15, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 15, 2018 | Structure Change | Acquired United Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 7, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 7, 2015 | Structure Change | Acquired The Citizens National Bank of Southwestern Ohio Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2009 | Structure Change | Acquired SCC Resources, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 18, 2007 | Structure Change | Acquired Champaign National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 4, 2007 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 4, 2007 | Structure Change | Acquired Miami Valley Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 25, 2006 | Structure Change | Acquired MR. Money Finance Company, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 2005 | Structure Change | Acquired First Citizens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2003 | Structure Change | Acquired The Castalia Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2002 | Structure Change | Acquired The Citizens National Bank of Norwalk Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 21 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Civista Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action April 10, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in OH, rank 18 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,156 applications, 1,643 loans originated, $442.8M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Civista Bank
What are Civista Bank's total assets?
As of the Q2 2026 filing, Civista Bank reported total assets of $4.29 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Civista Bank headquartered?
Civista Bank is headquartered in Sandusky, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Civista Bank founded?
Civista Bank was established in 1884, per the FDIC institution directory.
Is Civista Bank FDIC-insured?
Yes. Civista Bank is an FDIC-insured commercial bank (FDIC Certificate #12982). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Civista Bank?
Civista Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Civista Bank's CET1 capital ratio?
Civista Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.39% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Civista Bank operate?
Civista Bank operates 42 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Civista Bank's Texas Ratio?
Civista Bank's Texas Ratio is 5.68% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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