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 | |