B
Civista Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Civista Bank
Sandusky, OH
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Rating B
Asset Quality Index 4.60
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 5.70
Stability Index 9.80
Company Info Civista Bank
Sandusky, OH
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FDIC Number 12982
Phone Number (844) 842-0268
Website www.civista.bank/
Asset Quality Civista Bank
Sandusky, OH
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1-Year Asset Growth 1.36%
5-Year Asset Growth 15.50%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.09%
Non-Performing Assets to Assets 0.55%
Non-Performing Loans to Capital 4.38%
Non-Performing Loans to Loans 0.73%
Balance Sheet Civista Bank
Sandusky, OH
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Total Assets 4.11B
Total Deposits 3.24B
Capital and Reserves Civista Bank
Sandusky, OH
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Capital 569.67M
Leverage Ratio 11.89
Loan Loss Reserves to Loans 1.30%
Risk-Based Capital Ratio 16.63
Liquidity Civista Bank
Sandusky, OH
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Hot Money Ratio 11.31%
Liquidity Ratio 13.62%
Profitability Civista Bank
Sandusky, OH
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5-Year Return on Average Assets 1.21%
Net Income 37.82M
Net Interest Spread 3.64%
Operating Profit to Average Assets 1.44%
Overhead Efficiency Ratio 62.96%
Return on Assets 1.21%
Return on Equity 10.40%