Civista Bank
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
$4.3BAssets
$3.3BLoans
$3.5BDeposits
$634.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 95% of banks $1B-$10B in assets operating regionally (rank 8 of 176).
- Widest gap: return on equity trails 68% of banks $1B-$10B in assets operating regionally (rank 120 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $80.5M · efficiency ratio beats 49% of banks $1B-$10B in assets operating regionally | 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 |