Civista Bank
Sandusky, Ohio, Erie County
$4.3B in total assets, the 330th largest of 4,309 US banks and 13th of 160 headquartered in Ohio.
- FDIC certificate
- 12982
- Established
- 1884
- Owned by
- Civista Bancshares Inc
- Primary regulator
- FED
- Website
- www.civista.bank
At a glance
Compared with 27 banks headquartered in Ohio with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.3B | 85% | $1.6B | |
| Loans | $3.3B | 85% | $1.1B | |
| Deposits | $3.5B | 82% | $1.4B | |
| Return on assets | 1.37% | 73% | 1.19% | |
| Net interest margin | 4.02% | 78% | 3.62% | |
| Efficiency ratio | 58.4% | 48% | 59.2% | |
| Equity to assets | 14.81% | 98% | 10.17% | |
| Loans to deposits | 94% | 78% | 86% |
Growth
Total assets grew 8.0% a year over the last 5 years and 12.2% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2025 | The Farmers Savings Bank Spencer, OH | $293M |
| Jul 2022 | The Henry County Bank Napoleon, OH | $315M |
| Sep 2018 | United Community Bank Lawrenceburg, IN | $548M |
| Mar 2015 | The Citizens National Bank of Southwestern Ohio Dayton, OH | $103M |
| Dec 2007 | Champaign National Bank Urbana, OH | $274M |
| Oct 2007 | Miami Valley Bank Lakeview, OH | $125M |
| Oct 2005 | First Citizens Bank New Washington, OH, an affiliate under the same holding company | $284M |
| Jan 2003 | The Castalia Banking Company Castalia, OH, an affiliate under the same holding company | $52M |
| Apr 2002 | The Citizens National Bank of Norwalk Norwalk, OH | $128M |
Where they operate
42 branches in 18 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Erie County, OH | $1.2B | 58.2% | 1 of 11 |
| Dearborn County, IN | $559M | 42.5% | 1 of 7 |
| Huron County, OH | $267M | 20.9% | 1 of 9 |
| Henry County, OH | $188M | 22.5% | 2 of 7 |
| Medina County, OH | $161M | 2.8% | 10 of 17 |
| Champaign County, OH | $140M | 20.0% | 4 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 14 branches since 2016 (28 to 42, +50.0%). 3 opened, 17 acquired, 6 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 28 | |||
| 2018 | Acquired United Community Bank | 8 | 0 | +8 | 36 |
| 2019 | Opened Beachwood and UrbanaClosed 3 in Ohio | 2 | 3 | −1 | 35 |
| 2021 | Closed Quincy and Shiloh | 0 | 2 | −2 | 33 |
| 2022 | Acquired The Henry County BankOpened Columbus | 8 | 0 | +8 | 41 |
| 2024 | Closed Napoleon | 0 | 1 | −1 | 40 |
| 2025 | Acquired The Farmers Savings Bank | 2 | 0 | +2 | 42 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 40% | 28% | |
| 1-4 family residential | 30% | 34% | |
| Business (C&I) | 9% | 12% | |
| Multifamily | 9% | 6% | |
| Construction and land | 8% | 6% | |
| Farmland | 1% | 4% | |
| Consumer | 1% | 4% | |
| Agricultural | 0% | 1% | |
| Other | 1% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 47% | 56% | |
| Time deposits | 32% | 24% | |
| Noninterest-bearing | 21% | 20% |
Brokered deposits are 10.0% of deposits (peers 5.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.92% | 0.60% |
| Net charge-offs, annualized | 0.05% | 0.02% |
| Reserves to loans | 1.28% | 1.07% |
| Leverage ratio | 12.71% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Ohio
Largest competitors in Erie County, OH
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/civista