Civista Bank

What Civista Bank does

Civista Bank is a full-service community bank operating as the primary subsidiary of Civista Bancshares, Inc., a $4.3 billion financial services holding company headquartered in Sandusky, Ohio. Founded in 1884 as The Citizens Banking Company and rebranded to Civista Bank in 2015, the bank operates 44 branch locations across Ohio, Southeastern Indiana, and Northern Kentucky, serving retail consumers, small and mid-market commercial customers, agricultural borrowers, commercial real estate clients, and high-net-worth individuals. Common shares trade on the NASDAQ Capital Market under the symbol CIVB, and the company is a member of the Russell 2000 index.

The bank's core technology platform supports full-service community banking operations including deposit accounts, commercial lending (commercial real estate, commercial and industrial, agricultural), residential mortgage origination, treasury management, wealth management, and private banking services. A distinct national operating unit, Civista Leasing & Finance (headquartered in Pittsburgh, Pennsylvania, and built on the 2022 Vision Financial Group acquisition), provides commercial equipment leasing solutions to businesses in all 50 states.

Civista's revenue model is anchored in net interest income generated from the spread between interest earned on loans and securities versus interest paid on deposits and borrowings, with a Q1 2026 net interest margin of 3.85%. Non-interest income, totaling $9.4M in Q1 2026 (up 20% YoY), is diversified across service charges ($1.7M), net gains on loan sales ($1.6M), ATM/interchange fees ($1.4M), wealth management fees ($1.4M), and lease revenue ($1.6M). The bank pursues a sales-led, relationship-driven go-to-market motion through its branch network, supplemented by loan production offices that extend geographic reach into adjacent markets. Pricing is quote-based for commercial lending and wealth management services; consumer pricing is not publicly disclosed. Civista pays a quarterly cash dividend of $0.18 per common share, generating approximately $3.7M per quarter in distributions.

Name

Civista Bank

Legal name

Civista Bancshares, Inc.

Website

https://civb.com

Company type

Public

Founded year

1884

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Civista Bank is a $4.3 billion-asset community bank serving retail, commercial, agricultural, and high-net-worth customers through 44 branches in Ohio, Southeastern Indiana, and Northern Kentucky. The bank's offerings include deposit accounts, commercial lending, mortgage origination, wealth management, treasury management, and a national commercial equipment leasing division.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Commercial Real Estate (CRE) Lending (FSABABAG)

akta.pro secondary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

Keywords

• Community banking services
• Commercial lending
• Retail banking
• Wealth management
• Equipment leasing finance

Headquarters

HQ city

Sandusky

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Net Interest Income: Primary revenue stream from interest rate spread between interest earned on loans and securities versus interest paid on deposits and borrowings. Net interest margin of 3.85% in Q1 2026, expanded 34 basis points year-over-year.
2. Non-Interest Income: Diversified fee income including service charges ($1.7M), net gains on loan sales ($1.6M), ATM/interchange fees ($1.4M), wealth management fees ($1.4M), and lease revenue ($1.6M). Total non-interest income of $9.4M in Q1 2026, up 20% year-over-year.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Civista Bank operates as a full-service community bank providing deposit accounts, commercial lending (commercial real estate, commercial and industrial, and agricultural loans), residential mortgage origination, consumer lending, treasury management, and wealth management and private banking services to individuals and businesses across Ohio, Southeastern Indiana, and Northern Kentucky. It also operates a national commercial equipment leasing and finance division, Civista Leasing & Finance (CLF), headquartered in Pittsburgh with equipment leased in all 50 states.

Product overview

Civista Bank operates as a community banking franchise offering a unified suite of banking and financial services. The core product is Civista Bank itself, providing full-service banking through 44 branch locations across Ohio, Southeastern Indiana, and Northern Kentucky. The product portfolio centers on deposit-taking and lending activities, supplemented by mortgage origination, wealth management, private banking, and treasury management services. Additionally, the Civista Leasing & Finance (CLF) division extends commercial equipment leasing services nationwide, representing a distinct national operating unit separate from the core regional banking franchise.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Lending Business banking services including commercial real estate loans, commercial and industrial loans, and agricultural lending for commercial, agricultural, and commercial real estate borrowers in Ohio, Southeastern Indiana, and Northern Kentucky.
• Retail Banking Deposit accounts, consumer lending, and other personal banking services for individual consumers and small business customers, delivered through the 44-branch network and Customer Care Center across Ohio, Southeastern Indiana, and Northern Kentucky.
• Mortgage Services Residential mortgage origination and lending services for home purchases and refinancing for customers in the bank's three-state footprint.
• Wealth Management Investment management, financial planning, and private banking services for individual and business clients, particularly high net worth individuals and families in Ohio, Southeastern Indiana, and Northern Kentucky.
• Treasury Management Cash management, payment processing, and liquidity management services for business customers in the bank's three-state footprint.
• Civista Leasing & Finance (CLF) National commercial equipment leasing and finance division headquartered in Pittsburgh, Pennsylvania, offering leasing solutions for businesses nationwide, with equipment leased in all 50 states.

Quantifiable outcome

• Net interest margin expanded to 3.85% in Q1 2026, up 34 basis points year-over-year
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• The Farmers Savings BankcoreStrategic or Co-development Partner · 6 November 2025Merger completed November 2025 for approximately $70.4 million in cash and common stock. Expanded community banking footprint in Northeast Ohio with two branches in Medina and Lorain Counties, adding roughly $236 million in low-cost deposits and increasing total assets to approximately $4.4 billion.

Scale indicators14 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Tompkins Financial Corporation: Northeast/Mid-Atlantic community bank with commercial and retail banking across New York and Pennsylvania. Similar size range and relationship-driven community banking model make it a relevant comparable for growth and profitability metrics.
• First Financial Bancorp: Cincinnati-based bank holding company providing commercial banking, retail banking, and wealth management across Ohio, Indiana, and Kentucky. Directly comparable geographic overlap, business mix, and community banking orientation make it a core Ohio/Midwest peer.
• WesBanco, Inc. Multi-state community bank holding company operating across Ohio, West Virginia, Pennsylvania, and Kentucky with similar deposit-funded commercial and retail banking model. Directly comparable in size range, geographic footprint, and M&A-driven growth strategy.
• Heartland Financial USA, Inc. Multi-state community banking franchise with commercial and retail banking operations across the Midwest, Southwest, and Western U.S. Comparable deposit-funded lending model and diversified community banking approach; cited in comparison articles for Civista valuation context.
• LCNB Corp. Ohio-based community bank holding company operating branches throughout Ohio with commercial, retail, and wealth management services. Smaller asset base but highly comparable business model and Ohio-centric operating footprint.
• S&T Bancorp, Inc. Pennsylvania-based community bank holding company offering commercial, retail, and wealth management banking services. Similar asset scale, community banking model, and operating discipline with comparable capital ratios and dividend profile.
• Park National Corporation: Ohio-headquartered community bank holding company with comparable full-service community banking model serving retail, commercial, and wealth clients across Ohio and adjacent states. Similar asset scale and CRE/SME lending focus makes it the closest direct peer for benchmarking.

Broad incumbents

• Huntington Bancshares Incorporated: Major super-regional bank headquartered in Columbus, Ohio with full-service commercial, retail, and wealth management operations across the Midwest. Operates as the dominant broad incumbent in Civista's primary Ohio MSAs, competing for commercial and retail deposits at much greater scale.
• Fifth Third Bancorp: Cincinnati-based super-regional bank with extensive commercial, retail, and wealth management operations across Ohio, Indiana, Kentucky, and the broader Midwest. Direct large-scale competitor in Civista's core geographies with significantly broader product capabilities and balance sheet.

Emerging players

• Cortland Bancorp: Northeast Ohio community bank holding company serving similar Ohio markets with full-service community banking. Smaller scale than Civista but overlapping geographic footprint and business mix; relevant as a potential M&A counterparty in the regional consolidation thesis.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CivistaBank
• LinkedInlinkedin.com/company/civista-bank
• Instagraminstagram.com/civista_bank/?hl=en

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries5 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Civista Bank