CIVB on Nasdaq
CIVISTA BANCSHARES, INC.
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Last updated Oct 16, 2026.
Overview
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Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Income tax16¢$9.0M
- Profit84¢$46.2M
Out of $19.0M in revenue.3
Where each dollar of operating cash went, fiscal 2025
- Capital spending3¢$1.2M
- Dividends paid27¢$11.8M
- Share buybacks0¢$178.0K
- Kept or used elsewhere70¢$30.1M
Out of $43.3M of cash from operations.3
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Loans and leases, including fees | $195.5M | $183.6M | $160.8M |
| Taxable securities | $15.0M | $12.6M | $11.7M |
| Tax-exempt securities | $9.3M | $9.5M | $9.3M |
| Federal funds sold and other | $1.2M | $1.0M | $979.0K |
| Total interest and dividend income | $221.0M | $206.7M | $182.7M |
| Deposits | $64.2M | $65.8M | $33.8M |
| Federal Home Loan Bank advances | $13.0M | $18.5M | $14.6M |
| Subordinated debentures | $4.6M | $4.9M | $4.8M |
| Securities sold under agreements to repurchase and other | $558.0K | $760.0K | $4.1M |
| Total interest expense | $82.4M | $90.0M | $57.2M |
| Net interest income | $138.6M | $116.7M | $125.5M |
| Provision for credit losses | $3.4M | $5.4M | $4.4M |
| Net interest income after provision for credit losses | $135.2M | $111.3M | $121.1M |
| Service charges | $6.5M | $6.1M | $7.2M |
| Net gain on sale of securities | $0 | $33.0K | $0 |
| Net gain (loss) on equity securities | $271.0K | $252.0K | -$21.0K |
| Net gain on sale of loans and leases | $4.5M | $4.4M | $2.9M |
| ATM/Interchange fees | $5.9M | $5.8M | $5.9M |
| Wealth management fees | $5.5M | $5.5M | $4.8M |
| Lease revenue & residual income | $5.9M | $8.9M | $7.6M |
| Bank owned life insurance | $1.8M | $2.2M | $1.1M |
| Tax refund processing fees | $0 | $0 | $2.4M |
| Swap fees | $275.0K | $232.0K | $673.0K |
| Other | $3.3M | $4.2M | $4.7M |
| Total noninterest income | $34.0M | $37.7M | $37.2M |
| Compensation expense | $58.7M | $61.8M | $58.3M |
| Net occupancy expense | $5.9M | $5.1M | $5.4M |
| Equipment expense | $8.1M | $9.6M | $11.1M |
| Contracted data processing | $2.3M | $2.2M | $2.2M |
| FDIC Assessment | $2.7M | $2.6M | $1.6M |
| State franchise tax | $2.0M | $2.1M | $2.0M |
| Professional services | $6.6M | $5.8M | $5.0M |
| Amortization of core deposit intangibles | $1.6M | $1.5M | $1.6M |
| ATM/Interchange expense | $2.7M | $2.5M | $2.4M |
| Marketing expense | $1.4M | $2.1M | $1.4M |
| Software maintenance expenses | $5.5M | $4.9M | $4.2M |
| Other operating expenses | $16.4M | $12.3M | $12.5M |
| Total noninterest expense | $113.9M | $112.5M | $107.6M |
| Income before income taxes | $55.2M | $36.6M | $50.6M |
| Income taxes | $9.0M | $4.9M | $7.6M |
| Net income | $46.2M | $31.7M | $43.0M |
| Net income available to common shareholders | $46.2M | $31.7M | $43.0M |
| Earnings per common share, basic | $2.64 | $2.01 | $2.73 |
| Earnings per common share, diluted | $2.64 | $2.01 | $2.73 |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from financial institutions | $77.3M | $63.2M | |
| Cash and cash equivalents | $77.3M | $63.2M | $60.4M |
| Investments in time deposits | $1.2M | $1.4M | |
| Securities available for sale | $681.9M | $648.1M | |
| Equity securities | $2.7M | $2.4M | |
| Loans held for sale | $7.2M | $665.0K | |
| Loans and leases, net of allowance for credit losses | $3.2B | $3.0B | |
| Other securities | $25.9M | $30.4M | |
| Premises and equipment, net | $40.6M | $47.2M | |
| Accrued interest receivable | $14.4M | $13.5M | |
| Goodwill | $130.4M | $125.5M | |
| Other intangible assets, net | $13.1M | $7.9M | |
| Bank owned life insurance | $63.2M | $62.8M | |
| Swap assets | $3.5M | $5.3M | |
| Deferred taxes | $16.5M | $21.7M | |
| Other assets | $30.5M | $27.0M | |
| Total assets | $4.3B | $4.1B | |
| Noninterest-bearing | $702.0M | $695.1M | |
| Interest-bearing | $2.8B | $2.5B | |
| Total deposits | $3.5B | $3.2B | |
| Short-term Federal Home Loan Bank advances | $175.0M | $339.0M | |
| Long-term Federal Home Loan Bank advances | $855.0K | $1.5M | |
| Securities sold under agreement to repurchase | $0 | $0 | $0 |
| Subordinated debentures, net | $104.2M | $104.1M | |
| Other borrowings | $4.1M | $6.3M | |
| Swap liabilities | $5.7M | $11.6M | |
| Accrued expenses and other liabilities | $36.6M | $35.6M | |
| Total liabilities | $3.8B | $3.7B | |
| Common stock, no par value, 40,000,000 shares authorized, 24,607,544 shares issued at December 31, 2025 and 19,340,021 shares issued at December 31, 2024 | $419.8M | $312.0M | |
| Accumulated earnings | $239.8M | $205.4M | |
| Treasury stock, 3,861,070 common shares at December 31, 2025 and 3,852,354 common shares at December 31, 2024, at cost | -$75.8M | -$75.6M | |
| Accumulated other comprehensive loss | -$40.3M | -$53.4M | |
| Total shareholders equity | $543.5M | $388.5M | $372.0M |
| Total liabilities and shareholders equity | $4.3B | $4.1B | |
| Allowance for credit losses | $42.0M | $39.7M | $37.2M |
| Common stock, no par value | $0 | $0 | |
| Common stock, shares authorized | 40.0M shares | 40.0M shares | |
| Common stock, shares issued | 24.6M shares | 19.3M shares | |
| Treasury stock, common shares | 3.9M shares | 3.9M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $46.2M | $31.7M | $43.0M |
| Time deposits amortization | $7.0K | ||
| Security amortization, net | $554.0K | $962.0K | $468.0K |
| Depreciation | $8.3M | $9.5M | $10.8M |
| Amortization of core deposit intangible | $1.6M | $1.5M | $1.6M |
| Accretion of net deferred loan fees and purchase discounts | -$2.7M | -$1.2M | -$1.3M |
| Loss (gain) on sale of fixed assets | $5.0K | -$82.0K | |
| Net gain on sale of OREO properties | -$255.0K | ||
| Net gain on sale of securities | -$33.0K | ||
| Net (gain) loss on equity securities | -$271.0K | -$252.0K | $21.0K |
| Provision for credit losses | $3.4M | $5.4M | $4.4M |
| Loans and leases originated for sale | -$168.4M | -$161.1M | -$101.2M |
| Proceeds from sale of loans and leases | $166.4M | $166.6M | $103.0M |
| Net gain on sale of loans and leases | -$4.5M | -$4.4M | -$2.9M |
| Increase in cash surrender value of bank owned life insurance | -$1.8M | -$2.2M | -$1.1M |
| Share-based compensation | $852.0K | $871.0K | $984.0K |
| Deferred taxes | $1.2M | -$1.9M | -$675.0K |
| Accrued interest payable | -$5.0M | -$7.0K | $8.9M |
| Accrued interest receivable | -$543.0K | -$634.0K | -$1.6M |
| Cash collateral posted by derivative counterparties | -$4.2M | $6.3M | $0 |
| Other, net | $2.2M | -$2.7M | -$1.5M |
| Net cash provided by operating activities | $43.3M | $48.2M | $62.7M |
| Maturities | $1.2M | $490.0K | $245.0K |
| Purchases | -$920.0K | -$715.0K | |
| Maturities, prepayments and calls | $87.4M | $31.2M | $23.1M |
| Sales of securities, available for sale | $0 | $3.0M | $0 |
| Purchases of securities, available for sale | -$104.9M | -$72.3M | -$14.1M |
| Purchases of other securities | -$18.0M | -$14.2M | -$32.3M |
| Redemption of other securities | $22.7M | $13.8M | $35.9M |
| Purchases of bank owned life insurance | -$1.3M | -$7.0M | |
| Proceeds from bank owned life insurance | $1.5M | $2.1M | $320.0K |
| Net change in loans | -$83.1M | -$221.3M | -$314.5M |
| Proceeds from sale of OREO properties | $316.0K | ||
| Cash received from acquisitions, net | $149.5M | ||
| Premises and equipment purchases | -$1.2M | -$4.2M | -$3.4M |
| Disposal of premises and equipment | $1.4M | $4.2M | |
| Net cash provided by (used) in investing activities | $55.6M | -$258.8M | -$311.8M |
| Increase (decrease) in deposits | $18.5M | $226.8M | $365.0M |
| Net change in short-term FHLB advances | -$164.0M | $1.0M | -$1.2M |
| Repayment of long-term FHLB advances | -$646.0K | -$891.0K | -$55.7M |
| Net proceeds from common stock issuance | $75.7M | ||
| Change in other borrowings | -$2.2M | -$3.4M | -$5.7M |
| Increase (decrease) in securities sold under repurchase agreements | -$25.1M | ||
| Repurchase of common stock | -$178.0K | -$164.0K | -$1.6M |
| Cash dividends paid | -$11.8M | -$10.1M | -$9.6M |
| Net cash (used) provided by financing activities | -$84.7M | $213.3M | $266.1M |
| Increase (decrease) in cash and due from financial institutions | $14.2M | $2.7M | $17.0M |
| Interest paid | $86.5M | $90.0M | $48.4M |
| Income taxes paid | $8.1M | $4.9M | $9.5M |
| Transfer of loans from portfolio to other real estate owned | $61.0K | ||
| Securities purchased not settled | $500.0K |
Former names
- FIRST CITIZENS BANC CORP /OHAug 12, 1996 to Apr 24, 20152
Recent filings
- Oct 8, 2026SCHEDULE 13G
- Oct 1, 20268-K
- Sep 25, 20263
- Sep 24, 20264
- Sep 18, 20268-K
- Sep 15, 20268-K
- Aug 31, 20268-K
- Aug 7, 20264
- Aug 6, 202610-Q
- Jul 29, 20264
- Jul 24, 20268-K
- Jul 24, 20268-K
- Jul 23, 20268-K
- Jul 22, 20268-K
- Jun 15, 20268-K
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
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