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Civista Bank
Sandusky, OH·FDIC Cert #12982·Charter: STATE·Est. 18840301.0·HC: CIVISTA BANCSHARES INC
Total Assets
$4.3B
Q4 2025
Return on Assets
1.22%
-0.00%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
62.63%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.22%-0.00
ROE
9.82%-0.42
Efficiency
62.63%+0.43
Equity/Assets
0.00%+0.00
NPL Ratio
0.97%+0.22
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
92.69%-1.86
Charge-offs
0.10%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.8 | 0.8 | 0.9 | 1.1 | 1.2 | 1.2 | 1.2 |
| ROE | 6.5 | 6.8 | 7.3 | 7.8 | 10.1 | 10.3 | 10.2 | 9.8 |
| Efficiency | 71.3 | 71.1 | 70.4 | 69.4 | 62.8 | 62.9 | 62.2 | 62.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.5 | 0.5 | 1.0 | 1.0 | 0.7 | 0.7 | 1.0 |
| Charge-offs | 0.0 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 95.7 | 99.8 | 93.4 | 94.5 | 94.4 | 97.4 | 94.6 | 92.7 |
Balance Sheet
Total Assets$4.3B
Total Deposits$3.5B
Total Loans$3.2B
Total Equity$617.1M
Profitability
ROA1.22%
ROE9.82%
Efficiency Ratio62.63%
Net Income$50.8M
Risk & Asset Quality
NPL Ratio0.97%
Charge-off Rate0.10%
Loan/Deposit92.69%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans