Civista Bank

Headquarters

100 East Water Street
Sandusky, OH 44870
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.62% →
1-Year CD 0.30% 1.55% →
2-Year CD 0.45% 1.45% →
5-Year CD 0.95% 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Civista Bank is an FDIC insured institution located in Sandusky, OH. It was founded in 1884 and has approximately $2.3 billion in assets. Customers can open an account at one of its 27 branches.

FDIC Insured Yes
FDIC Certificate # 12982
Date Established 1884
Assets $ 2.30 billion
Loans $ 1,696.49 million
Deposits $ 1,702.92 million
Capital $ 331.21 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 - May 29, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $25 - Learn More
Money Market
0.05% $2,500 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.15% $500 - Learn More
6 Mo CD
0.20% $500 - Learn More
Special: 9 Mo CD
0.95% $500 - Learn More
12 Mo CD
0.30% $500 - Learn More
Special: 18 Mo CD
1.01% $500 - Learn More
18 Mo CD
0.40% $500 - Learn More
24 Mo CD
0.45% $500 - Learn More
30 Mo CD
0.50% $500 - Learn More
36 Mo CD
0.60% $500 - Learn More
48 Mo CD
0.90% $500 - Learn More
60 Mo CD
0.95% $500 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.40% $500 $99,999 Learn MoreShow Less
Special: 9 Mo FIRA
0.95% $500 - Learn MoreShow Less
Special: 18 Mo FIRA
1.01% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $1,200 $2,499 Learn MoreShow Less
Int Ckg
0.03% $2,500 $49,999 Learn MoreShow Less

Loan Rates - May 29, 2020

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2020

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.952% 2.875% 1.00 $2,485 $1,038 Learn More

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:
Ashburn,Virginia


Civista Bank Locations


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
Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
Civista Bank U.S. Bank Average
1.77% 6.51%

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, 2019, Civista Bank had $6,115,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $331,214,000 in equity and $14,767,000 in loans loss reserves. That gives it a Texas Ratio of 1.77%.

Return on Equity
Civista Bank U.S. Bank Average
11.22% 9.41%

Civista Bank has a Return on Equity of 11.22% versus the BestCashCow average of 9.41%. 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
14.38% 12.82%

Civista Bank has a Capitalization of 14.38% versus the BestCashCow average of 12.82. 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, 2019, Civista Bank had assets of $2,304,000,000, loans of $1,696,488,000, and deposits of $1,702,923,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $ 44.33 million
Interest-bearing balances $ 19.56 million
Total securities $ 358.50 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,696.49 million
Loan loss allowance $ 14.77 million
Trading account assets $ 8.92 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 85.16 million
All other assets $ 84.39 million
     Total Assets $ 1,972.79 million
LIABILITIES
Total deposits $ 1,702.92 million
      Interest-bearing deposits $ 1,166.21 million
      Deposits held in domestic offices $ 1,702.92 million
      % insured (estimated) 79.75%
Federal funds purchased and repurchase agreements $ 18.67 million
Trading liabilities $ 8.92 million
Other borrowed funds $ 229.77 million
Subordinated debt N.A.
All other liabilities $ 12.50 million
      Total Liabilities $ 1,972.79 million
      Shareholders’ Equity $ 331.21 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 97.97 million
Total Interest Expense $ 11.53 million
Net interest income $ 86.44 million
Provision for loan and lease losses $ 1.04 million
Total non interest income $ 22.47 million
Total non interest expense $ 67.14 million
Pre-tax Net Operating Income $ 40.73 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 Construction and Development Loans, 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 27.43
Multifamily
Mortgages
5.65
Credit Card Loans 0.00
Consumer Auto Loans 0.25
Small Business Loans 11.28
Construction and Development Loans 9.19
Commercial Real Estate 43.74
Commercial and Industrial Loans 11.10
Farm Loans 0.79

Frequently Asked Questions About Civista Bank

Branches and Savings

Is Civista Bank FDIC insured?

Yes. It is covered under FDIC Certificate #12982.

Why does Civista Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Civista Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Civista Bank a commercial bank?

Yes

Where are Civista Bank locations?

See branch locations nearby.

Is Civista Bank open on Saturdays?

Is Civista Bank open on Sundays?

What time does Civista Bank open?

What time does Civista Bank close?

Are Civista Bank ATMs Open 24/7?

Do Civista Bank ATMs accept cash deposits?

Can Civista Bank customers use other ATMs?

Do Civista Bank branches have notaries?

Will Civista Bank notarize my document?

What address for Civista Bank should I put for incoming ACH transfers?

Will the Civista Bank branch print checks?

Do Civista Bank checks expire?

Does Civista Bank require US citizenship to open account?

Can Civista Bank close my account?

Does Civista Bank Report to credit bureaus?

Does Civista Bank Use Equifax?

What is Civista Bank's ACH Routing Number?

What is Civista Bank's SWIFT code?

Products

Does Civista Bank offer mortgages?

Compare mortgage rates here.

Does Civista Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Civista Bank offer personal loans?

Compare personal loan rates here.

Does Civista Bank offer student loans?

Will Civista Bank cash a check?

Will Civista Bank redeem a savings bond?

Does Civista Bank cash savings bonds?

Will Civista Bank cash money orders?

Can Civista Bank issue a money order?

Does Civista Bank do currency exchange?

Background on The Bank

Who owns Civista Bank?

How long has Civista Bank been around?

Can Civista Bank transfer to other banks?

Does Civista Bank have quick pay?

Does Civista Bank accept rolled coins?

Will Civista Bank accept loose change?

Where is Civista Bank headquarters?

Customer Reviews for Civista Bank


  • February 05, 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.

  • 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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