Sandusky, OH · Cert 12982 · Civista Bancshares Inc.
State charter, Fed member · FED · 42 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
44
Profitability
55
Liquidity
70
Efficiency
49
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sandusky, OH · Cert 12982 · Civista Bancshares Inc.
State charter, Fed member · FED · 42 branches
Q2 2026
Market Position · Sandusky, OH · 2026 SOD (annual) · 37.5% share · #1 of 14 inst. · $1.2B of $3.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.89% | 1.13% | 1.16% | 1.22% | 1.22% | 1.46% | 1.45% | +29 bps | |
| Return on Equity | 7.30% | 7.79% | 10.05% | 10.28% | 10.24% | 9.82% | 10.11% | 9.91% | -36 bps | |
| Net Interest Margin | 3.02% | 3.08% | 3.36% | 3.41% | 3.43% | 3.46% | 3.72% | 3.77% | +36 bps | |
| Efficiency Ratio | 70.38% | 69.40% | 62.80% | 62.85% | 62.20% | 62.63% | 59.98% | 58.42% | -443 bps | |
| Non-Interest Burden | 1.82% | 1.82% | 1.79% | 1.84% | 1.79% | 1.86% | 1.90% | 1.86% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.93% | 6.42% | 6.94% | 4.34% | 1.36% | 5.80% | 3.61% | 2.63% | -172 bps | |
| Loan Growth (YoY) | 10.73% | 7.63% | 7.12% | 4.68% | 1.70% | 6.34% | 4.13% | 3.21% | -147 bps | |
| Deposit Growth (YoY) | 14.97% | 7.60% | 8.69% | 7.34% | 0.48% | 8.37% | 8.33% | 8.78% | +144 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 1.01% | 1.00% | 0.73% | 0.74% | 0.95% | 0.92% | 0.92% | +19 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.11% | 0.08% | 0.10% | 0.10% | 0.10% | 0.09% | 0.05% | -5 bps | |
| Allowance / Loans | 1.35% | 1.29% | 1.30% | 1.28% | 1.30% | 1.28% | 1.25% | 1.28% | 0 bps | |
| Allowance Coverage of NPLs | 2.5x | 1.3x | 1.3x | 1.8x | 1.8x | 1.3x | 1.4x | 1.4x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.67% | 9.62% | 9.58% | 9.65% | 11.89% | 12.29% | 12.63% | 12.71% | +306 bps | |
| Total Risk-Based Capital | 12.97% | 12.85% | 13.36% | 13.50% | 16.63% | 16.99% | 17.74% | 17.64% | +414 bps | |
| Equity / Assets | 11.71% | 11.25% | 11.29% | 11.30% | 13.88% | 14.26% | 14.68% | 14.81% | +351 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.64% | 95.69% | 95.62% | 98.66% | 95.79% | 93.90% | 91.91% | 93.61% | -505 bps | |
| Liquid Assets / Assets | 0.53% | 0.53% | 0.82% | 0.69% | 0.53% | 0.57% | 1.07% | 0.61% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 390% | 372% | 354% | n/a | n/a | |
Sandusky, OH · Cert 12982 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Civista Bancshares Inc.
State charter, Fed member · FED · 42 branches
Q2 2026
Return on Assets
1.45%
Rank 54 of 176
Net Interest Margin
3.77%
Rank 66 of 176
Efficiency Ratio
59.87%
Rank 91 of 176
Equity / Assets
14.81%
Rank 8 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.45% | 0.93% | 1.26% | 1.54% | Beats 69% | 54 / 176 | ||
| Return on Equity | 9.80% | 9.26% | 11.89% | 14.46% | Beats 32% | 120 / 176 | ||
| Net Interest Margin | 3.77% | 3.25% | 3.59% | 3.93% | Beats 63% | 66 / 176 | ||
| Efficiency Ratio | 59.87% | 52.79% | 59.55% | 67.66% | Beats 49% | 91 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.92% | 0.30% | 0.64% | 1.32% | Beats 35% | 115 / 176 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 53% | 83 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.39% | 11.15% | 12.72% | 14.15% | Beats 90% | 17 / 176 | ||
| Total Risk-Based Capital Ratio | 17.64% | 11.81% | 13.63% | 15.33% | Beats 90% | 17 / 176 | ||
| Equity / Assets | 14.81% | 9.16% | 10.35% | 11.80% | Beats 95% | 8 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.61% | 80.94% | 89.73% | 97.21% | 64th pctl | 63 / 176 | ||
| Loans / Assets | 76.13% | 69.25% | 75.12% | 80.82% | 55th pctl | 80 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||