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Civista Bank
Sandusky, OH · FDIC Certificate #12982 · Chartered 03/0
Total assets
$4.29B
Total deposits
$3.49B
Total equity
$634.91M
Net loans
$3.22B
Branches (offices)
42
Net income (YTD)
$31.10M
Rank: #321 of 4,213 U.S. banks by assets · #13 of 155 in Ohio. Assets changed 2.6% and deposits 8.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.45% |
| Return on equity | 9.91% |
| Net interest margin (YTD) | 4.02% |
| Equity to assets | 14.81% |
| Tier 1 leverage ratio | 12.71% |
| Uninsured deposits (share of deposits) | 18.3% |
| Noncurrent loans (share of loans) | 0.92% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 92.4% |
| Real estate loans (share of loans) | 89.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.88B | 89.5% | |
| Commercial & industrial | $308.77M | 9.6% | |
| Consumer / individual | $31.66M | 1.0% | |
| Construction & development | $265.49M | 8.2% | |
| Agricultural | $6.45M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.03B | $2.49B | $18.52M | $361.17M |
| Jun 2023 | $3.61B | $2.96B | $25.00M | $432.46M |
| Jun 2024 | $4.00B | $2.99B | $15.31M | $450.37M |
| Jun 2025 | $4.18B | $3.20B | $23.97M | $471.97M |
| Jun 2026 | $4.29B | $3.49B | $31.10M | $634.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $2.80B | 34 |
| Indiana | $684.91M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.49B.
Similar-sized banks
State Bank Of India ($4.32B) · The First Bank And Trust Company ($4.28B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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