Civista Bank


100 E Water St
Sandusky, OH 44870
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 4.35% →
1-Year CD N.A. 5.00% →
2-Year CD N.A. 4.75% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Bank Information

Civista Bank is an FDIC insured institution located in Sandusky, OH. It was founded in 1884 and has approximately $3.03 billion in assets. Customers can open an account at one of its 27 branches.

FDIC Insured Yes
FDIC Certificate # 12982
Date Established 1884
Assets $ 3.03 billion
Loans $ 2.04 billion
Deposits $ 2.49 billion
Capital $ 361.17 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 - February 4, 2023

Your Current Location: Virginia, VA 20146


Loan Rates - February 4, 2023

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 2023

Lender APR Rate (%) Monthly
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PenFed Credit Union
NMLS ID: 401822
5.294% 5.250%
0.50 points
$1,250 fees
$1,381 Learn More
NMLS ID: 1907
5.921% 5.750%
0.88 points
$4,688 fees
$1,459 Learn More
NMLS ID: Not lender

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AmeriSave Mortgage Corporation
NMLS ID: 1168

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Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.740 %
$0 Learn More
More Info

Note to Civista Bank
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Climate Initiatives

Civista Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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 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
0.92% 4.06%

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 June 30, 2022, Civista Bank had $3,561,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $361,167,000 in equity and $27,435,000 in loans loss reserves. That gives it a Texas Ratio of 0.92%.

Return on Equity
Civista Bank U.S. Bank Average
9.65% 9.98%

Civista Bank has a Return on Equity of 9.65% versus the BestCashCow average of 9.98%. 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.

Civista Bank U.S. Bank Average
11.9% 10.23%

Civista Bank has a Capitalization of 11.9% versus the BestCashCow average of 10.23. 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 June 30, 2022, Civista Bank had assets of $3,034,383,000, loans of $2,040,953,000, and deposits of $2,494,245,000. 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

June 30, 2022
Cash & Balances due from depository institutions $ 231.95 million
Interest-bearing balances $ 194.11 million
Total securities $ 529.21 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.04 billion
Loan loss allowance $ 27.44 million
Trading account assets $ 10.88 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 84.02 million
All other assets $ 110.95 million
     Total Assets $ 2.67 billion
Total deposits $ 2.49 billion
      Interest-bearing deposits $ 1,612.97 million
      Deposits held in domestic offices $ 2.49 billion
      % insured (estimated) 74.24%
Federal funds purchased and repurchase agreements $ 17.48 million
Trading liabilities $ 10.88 million
Other borrowed funds $ 75.00 million
Subordinated debt N.A.
All other liabilities $ 75.62 million
      Total Liabilities $ 2.67 billion
      Shareholders’ Equity $ 361.17 million

Summary Income Statement

June 30, 2022
Total Interest Income $ 50.70 million
Total Interest Expense $ 1.80 million
Net interest income $ 48.90 million
Provision for loan and lease losses $ 0.70 million
Total non interest income $ 13.44 million
Total non interest expense $ 39.59 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 Commercial and Industrial Loans.

Compared to other banks in Ohio, Civista Bank has a significantly higher percent of Multifamily Mortgages, 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.38
Credit Card Loans 0.00
Consumer Auto Loans 0.16
Small Business Loans 9.89
Construction and Development Loans 8.36
Commercial Real Estate 48.39
Commercial and Industrial Loans 10.89
Farm Loans 0.20

Customer Reviews for Civista Bank

  • 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.

  • 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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