CIVISTA BANCSHARES, INC.
Civista Bancshares, Inc. (NASDAQ: CIVB) is a financial holding company registered under the Gramm-Leach-Bliley Act, operating primarily through its subsidiary Civista Bank, which traces its origins to 1884 as The Citizens National Bank. The company maintains its website at www.civb.com and serves customers across… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What CIVISTA BANCSHARES, INC. does
In the company’s own words
Civista Bancshares, Inc. (NASDAQ: CIVB) is a financial holding company registered under the Gramm-Leach-Bliley Act, operating primarily through its subsidiary Civista Bank, which traces its origins to 1884 as The Citizens National Bank. The company maintains its website at www.civb.com and serves customers across Ohio, Indiana, and Kentucky through an extensive branch network and specialized service divisions.
As of December 31, 2025, Civista Bancshares maintains total consolidated assets of approximately $4.3 billion. The company's primary business involves collecting customer deposits, originating loans, purchasing securities, and offering trust services through Civista Bank, which operates approximately 30 branch locations across multiple Ohio counties including Erie, Crawford, Champaign, Cuyahoga, Franklin, Huron, Logan, Lorain, Madison, Medina, Montgomery, Ottawa, Richland, Henry, Wood, and Summit, as well as branches in Dearborn and Ripley Counties in Indiana and Kenton County in Kentucky. The company also maintains loan production offices in Westlake, Ohio and Fort Mitchell, Kentucky.
Interest and fees on loans represent the dominant revenue source, comprising 77 percent of total revenue in 2025. The loan portfolio emphasizes real estate lending, with commercial real estate loans comprising 50 percent of the total portfolio, residential real estate mortgages at 29 percent, and commercial and agriculture loans at 9 percent. Through its Civista Leasing & Financing division, the company offers commercial equipment leasing services nationwide. Civista Wealth Management provides investment advisory services, financial planning, and trust services to individuals, families, businesses, and nonprofits.
The company operates through several subsidiaries including First Citizens Investments, Inc., which manages the securities portfolio; Civista Leasing & Financing; First Citizens Insurance Agency, Inc.; Water Street Properties, Inc.; and CIVB Risk Management, Inc., a captive insurance company. In November 2025, Civista completed the acquisition of The Farmers Savings Bank, adding approximately $268 million in assets and two branches in Medina and Lorain Counties.
Civista Bancshares employs approximately 526 full-time equivalent employees and maintains a values-based culture emphasizing community involvement, professional development, and diversity. The company maintains robust capital levels with a Tier 1 Leverage ratio of 11.3 percent and significant liquidity resources including $77.3 million in cash equivalents and $681.9 million in available-for-sale investment securities.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- SANDUSKY, OH
- Fiscal year end
- December
- CIK
- 944745
- SIC
- 6022
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns CIVISTA BANCSHARES, INC. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · CIVISTA BANCSHARES, INC.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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