2024 Overview
General Bank Information
Civista Bank is an FDIC insured institution located in Sandusky, OH. It was founded in 1884 and has approximately $3.84 billion in assets. Customers can open an account at one of its 27 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 12982 |
| Date Established | 1884 |
| Assets | $ 3.84 billion |
| Loans | $ 2.83 billion |
| Deposits | $ 2.99 billion |
| Capital | $ 450.66 million |
For a more detailed analysis of Civista Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - April 18, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.05% | $10,000 | $14,999 |
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|
Money Market
|
0.05% | $25,000 | $29,999 |
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|
| CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.20% | $10,000 | $14,999 |
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| 6 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.30% | $10,000 | $14,999 |
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| 12 Mo CD
|
0.30% | $100,000 | $199,999 |
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| 18 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.90% | $100,000 | $199,999 |
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| 24 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.50% | $100,000 | $199,999 |
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| 36 Mo CD
|
0.55% | $10,000 | $14,999 |
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| 36 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.75% | $10,000 | $14,999 |
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| 48 Mo CD
|
0.75% | $100,000 | $199,999 |
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| 60 Mo CD
|
0.85% | $10,000 | $14,999 |
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| 60 Mo CD
|
0.85% | $100,000 | $199,999 |
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| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.03% | $2,500 | $3,499 | Learn More |
Loan Rates - April 18, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Civista Bank
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: Not a Lender |
points fees |
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NMLS ID: 491986 |
points fees |
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NMLS ID: Not a Lender |
points fees |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Civista Bank
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Branches
Civista Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
Civista Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Civista Bank Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Civista Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Civista Bank | U.S. Bank Average |
|---|---|
| 2.57% | 3.96% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2024, Civista Bank had $12,540,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $450,658,000 in equity and $37,160,000 in loans loss reserves. That gives it a Texas Ratio of 2.57%.
Return on Equity
| Civista Bank | U.S. Bank Average |
|---|---|
| 10.98% | 12.20% |
Civista Bank has a Return on Equity of 10.98% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Civista Bank | U.S. Bank Average |
|---|---|
| 11.73% | 10.76% |
Civista Bank has a Capitalization of 11.73% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Civista Bank Balance Sheet Analysis
As of December 31, 2023, Civista Bank had assets of $3,842,524,000, loans of $2,826,292,000, and deposits of $2,993,171,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 57.22 million |
| Interest-bearing balances | $ 26.15 million |
| Total securities | $ 617.06 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 2.83 billion |
| Loan loss allowance | $ 37.16 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 135.03 million |
| All other assets | $ 110.95 million |
| Total Assets | $ 3.39 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 2.99 billion |
| Interest-bearing deposits | $ 2.21 billion |
| Deposits held in domestic offices | $ 2.99 billion |
| % insured (estimated) | 82.46% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 75.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 75.62 million |
| Total Liabilities | $ 3.39 billion |
| Shareholders’ Equity | $ 450.66 million |
Summary Income Statement
December 31, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 179.12 million |
| Total Interest Expense | $ 48.91 million |
| Net interest income | $ 130.20 million |
| Provision for loan and lease losses | $ 4.95 million |
| Total non interest income | $ 37.51 million |
| Total non interest expense | $ 106.99 million |
| Pre-tax Net Operating Income | $ 22.05 million |
Bank Loan Profile?
The top three loan types in Civista Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.
Compared to other banks in Ohio, Civista Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 16.16 | ✓ | ||
| Multifamily Mortgages |
6.85 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.11 | ✓ | ||
| Small Business Loans | 8.47 | ✓ | ||
| Construction and Development Loans | 6.04 | ✓ | ||
| Commercial Real Estate | 34.94 | ✓ | ||
| Commercial and Industrial Loans | 7.86 | ✓ | ||
| Farm Loans | 0.15 | ✓ | ||
Customer Reviews for Civista Bank
Disappointed
February 5, 2020 |
We used Civista Bank for a mortgage loan because they gave me the best rate of 3.5 for my over 800 credit rating with no points and locked it in for 2 months. Other banks offering the same rate but would not lock it in as they promised. This was at the East Perkins Branch. Come to find out after closing, the bank costs of the loan were actually points paid.. It is our fault for not going through the loan pages with a fine tooth comb but just beware when using this bank. We not never do any kind of business with this bank again. We also paid an even amount for the down payment which took us over 20% by $200.00 and it was not used to lower the amount of the loan. It was not listed anywhere on the loan papers to tell us where it was taken off of the closing costs.. It just disappeared as far as we can see. We were expected to take their word that it reduced the amount of the closing costs.
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Debbie
November 12, 2019 |
Extremely disappointing...had to cancel a lot card on Veterans day and I was left on hold for over an hour..I finally hung up. Got on the website and wouldn't let me put it on hold and then when we found it it would not let us reinstate it. The also will not let you move your own money anytime you'd like...they start charging you after so many times. I took my savings elsewhere.
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