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CIVB on Nasdaq

CIVISTA BANCSHARES, INC.

CIVISTA BANCSHARES, INC. is an American state commercial bank that raised $85.5 million in 2022 (SEC Form D).2 It is headquartered in Sandusky Oh, United States.2 Its shares trade on Nasdaq under the symbol CIVB.2

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Last updated Oct 21, 2026.

Overview

Compare with Tri-County Financial Group, Inc., Stock Yards Bancorp, Inc. or FIRST NATIONAL CORP /VA/, or pick any stock.

  • TickerCIVB on Nasdaq2
  • IndustryState Commercial Banks2
  • HeadquartersSandusky Oh, United States2
  • Incorporated inOH3
  • Business address100 East Water St, P O Box 5016, Sandusky, Oh 448703
  • Filer categoryAccelerated filer3
  • Legal formCorporation2
  • LEI5493001LX61Z2UVYSC482
  • StatusActive2
  • LEI statusIssued and current2
  • Registered address100 EAST WATER STREET, 44870 Sandusky Oh, United States2
  • Registered withCorporation Database (Ohio Secretary of State), 6956562

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CIVISTA BANCSHARES, INC. (“CBI” or the "Company") was organized under the laws of the State of Ohio on February 19, 1987 and is a registered financial holding company under the Gramm-Leach-Bliley Act of 1999, as amended (the “GLBA”). CBI’s office is located at 100 East Water Street, Sandusky, Ohio. CBI and its subsidiaries are sometimes referred to together as the “Company”. The Company had total consolidated assets of $4,336,453 at December 31, 2025.5 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

242.9%Net margin6
-0.5%Revenue growth, 20256
8.5%Return on equity6
$42.1MFree cash flow6

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.6

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.6

Financial statements

Revenue789106$19.0M in 2025+7% since 2019
0$10.0M$20.0M$30.0M$40.0M2019: $17.8M$17.8M20192020: $16.9M$16.9M2020−5%2021: $19.6M$19.6M2021+16%2022: $24.5M$24.5M2022+25%2023: $30.4M$30.4M2023+24%2024: $19.1M$19.1M2024−37%2025: $19.0M$19.0M2025−1%
Net income789106$46.2M in 2025+36% since 2019
0$20.0M$40.0M$60.0M2019: $33.9M$33.9M20192020: $32.2M$32.2M2020−5%2021: $40.5M$40.5M2021+26%2022: $39.4M$39.4M2022−3%2023: $43.0M$43.0M2023+9%2024: $31.7M$31.7M2024−26%2025: $46.2M$46.2M2025+46%

Every line of the income statement as filed: the last 3 fiscal years, latest first.6

Period ending2025-12-312024-12-312023-12-31
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

Compare CIVISTA BANCSHARES, INC. with another company

Corporate structure

CIVISTA BANCSHARES, INC. sits at the top of its group. 11 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of CIVISTA BANCSHARES, INC.

  • DIMENSIONAL FUND ADVISORS LP Filed SCHEDULE 13G on CIVISTA BANCSHARES, INC., latest Oct 8, 2026 (3 filings since Oct 31, 2024)
  • Wellington Management Company Filed SCHEDULE 13G/A on CIVISTA BANCSHARES, INC., latest May 15, 2026 (2 filings since Nov 12, 2025)
  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on CIVISTA BANCSHARES, INC., latest Mar 26, 2026 (2 filings since Feb 13, 2024)
  • BlackRock Filed SCHEDULE 13G/A on CIVISTA BANCSHARES, INC., latest Oct 17, 2025 (7 filings since Feb 1, 2022)
  • CIVISTA BANCSHARES, INC. Sandusky Oh, Ohio, United States
    • CIVB Risk Management, Inc. Subsidiary · Delaware, United States
    • Civista Bank Subsidiary · Ohio, United States
    • First Citizens Insurance Agency, Inc. Subsidiary · Ohio, United States
    • First Citizens Investments, Inc. Subsidiary · Delaware, United States
    • First Citizens Statutory Trust II Subsidiary · Connecticut, United States
    • First Citizens Statutory Trust III Subsidiary · Delaware, United States
    • First Citizens Statutory Trust IV Subsidiary · Delaware, United States
    • Futura TPF Trust I Subsidiary · Delaware, United States
    • Futura TPF Trust II Subsidiary · Delaware, United States
    • Water Street Properties, Inc. Subsidiary · Ohio, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What CIVISTA BANCSHARES, INC. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$126.2M6 Dec 31, 2025$132.5M6 Dec 31, 2024−4.7%
Accumulated depreciation$85.6M6 Dec 31, 2025$85.3M6 Dec 31, 2024+0.4%
Property and equipment, net$40.6M6 Dec 31, 2025$47.2M6 Dec 31, 2024−13.9%
Operating-lease assets (leased space)$2.4M6 Dec 31, 2025$1.1M6 Dec 31, 2024+124.6%

Investments

ItemLatestA year beforeChange
Debt securities available for sale$681.9M6 Dec 31, 2025$648.1M6 Dec 31, 2024+5.2%
Equity securities at fair value$2.7M6 Dec 31, 2025$2.4M6 Dec 31, 2024+11.2%
Deposits held (banks)$3.5B6 Dec 31, 2025$3.2B6 Dec 31, 2024+7.9%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$130.4M6 Dec 31, 2025$125.5M6 Dec 31, 2024+3.9%
Intangible assets, net (excluding goodwill)$13.1M6 Dec 31, 2025$7.9M6 Dec 31, 2024+66.2%
Finite-lived intangibles, net$13.1M6 Dec 31, 2025$7.9M10 Dec 31, 2024+66.2%

Properties, in its own words

CBI neither owns nor leases any properties. Civista owns its main office at 100 East Water Street, Sandusky, Ohio, which is also the office of CBI. Civista also owns branch banking offices in the following Ohio and Indiana communities: Sandusky (2), Norwalk (2), Berlin Heights, Willard, Castalia, Port Clinton, New Washington, Shelby (2), Greenwich, Plymouth, Shiloh, Dublin, Plain City, Russells Point, Urbana (2), Dayton (2), Quincy, Napoleon (2), Malinta, Holgate, Liberty Center, Lawrenceburg (3), Aurora, West Harrison, Milan, Osgood, Versailles, Spencer, and Wellington. Civista leases branch banking offices in the Ohio communities of Akron, Huron, West Liberty, Dayton, Bowling Green and Beachwood. Civista also leases loan production offices in Westlake, Ohio and Fort Mitchell, Kentucky. The CLF division of Civista leases its offices located in Pittsburgh, Pennsylvania and Dover, New Hampshire.

Item 2 of the 10-K filed Mar 6, 2026.5

Leadership

Who has led CIVISTA BANCSHARES, INC., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. James O. Miller2007–2018
  2. Dennis G. Shaffer2018–now

President

  1. James O. Miller2007–2018
  2. Dennis G. Shaffer2018–2026
  3. Charles A. Parcher2026–now

Chief financial officer

  1. Ian Whinnem2024–now
2010201520202025
Board members and other officers (62)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • CIVB Risk Management, Inc. Delaware4
  • Civista Bank Ohio4
  • First Citizens Insurance Agency, Inc. Ohio4
  • First Citizens Investments, Inc. Delaware4
  • First Citizens Statutory Trust II Connecticut4
  • First Citizens Statutory Trust III Delaware4
  • First Citizens Statutory Trust IV Delaware4
  • Futura TPF Trust I Delaware4
  • Futura TPF Trust II Delaware4
  • Water Street Properties, Inc. Ohio4

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Former names

  • FIRST CITIZENS BANC CORP /OHAug 12, 1996 to Apr 24, 20153

Timeline

  1. Oct 1, 20268-K Other events79
  2. Sep 18, 20268-K Regulation FD disclosure80
  3. Sep 15, 20268-K Other events81
  4. Aug 31, 20268-K Executive or director change82
  5. Jul 24, 20268-K Regulation FD disclosure83
  6. Jul 24, 20268-K Other events84
  7. Jul 23, 20268-K Results of operations85
  8. Jul 22, 20268-K Other events86
  9. Jun 15, 20268-K Other events87
  10. Jun 1, 20268-K Regulation FD disclosure88
  11. May 19, 20268-K Regulation FD disclosure89
  12. May 19, 20268-K Shareholder vote90
  13. Apr 11, 2018New chief executive Dennis G. Shaffer becomes CEO14
  14. Dec 31, 2007New chief executive James O. Miller becomes CEO15
  15. Feb 19, 1987Founded CIVISTA BANCSHARES, INC. is founded2

Calendar

Coming up

  1. Oct 22, 2026 · Before the openReports results for the quarter ending Sep/2026 A year earlier it reported $0.68 a share, on Oct 23, 2025.91

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results85
  2. Apr 22, 2026Reported quarterly or annual results92
  3. Jan 29, 2026Reported quarterly or annual results93
  4. Oct 23, 2025Reported quarterly or annual results94
  5. Jul 24, 2025Reported quarterly or annual results95
  6. Jul 11, 2025Reported quarterly or annual results96
  7. Apr 24, 2025Reported quarterly or annual results97
  8. Jan 30, 2025Reported quarterly or annual results98

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

456 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 139 major events, 234 insider forms, 14 large holders, 2 private raises, 46 other. The latest 20:

  1. Oct 8, 2026SCHEDULE 13G EDGAR
  2. Oct 1, 20268-K EDGAR
  3. Sep 25, 20263 EDGAR
  4. Sep 24, 20264 EDGAR
  5. Sep 18, 20268-K EDGAR
  6. Sep 15, 20268-K EDGAR
  7. Aug 31, 20268-K EDGAR
  8. Aug 7, 20264 EDGAR
  9. Aug 6, 202610-Q EDGAR
  10. Jul 29, 20264 EDGAR
  11. Jul 24, 20268-K EDGAR
  12. Jul 24, 20268-K EDGAR
  13. Jul 23, 20268-K EDGAR
  14. Jul 22, 20268-K EDGAR
  15. Jun 15, 20268-K EDGAR
  16. Jun 10, 20264 EDGAR
  17. Jun 10, 20264 EDGAR
  18. Jun 10, 20264 EDGAR
  19. Jun 10, 20264 EDGAR
  20. Jun 10, 20264 EDGAR

The 456 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

43 open-market trades by officers, directors and large owners since October 2021: 38 buys and 5 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 23, 2026Parcher Charles A.PresidentBuy400$26.75$10.7KForm 4
Nov 18, 2025Weaks Nathan EBuy1,000$21.49$21.5KForm 4
Aug 21, 2025Weaks Nathan EBuy500$19.85$9.9KForm 4
Aug 18, 2025Weaks Nathan EBuy500$19.95$10.0KForm 4
Aug 5, 2025Whinnem IanSVP/CFOBuy1,500$19.20$28.8KForm 4
Jul 31, 2025Weaks Nathan EBuy1,000$19.35$19.4KForm 4
Jul 30, 2025Weaks Nathan EBuy2,000$19.88$39.8KForm 4
Jul 11, 2025Shaffer Dennis GCEOBuy1,000$21.25$21.2KForm 4
Jul 11, 2025Parcher Charles A.PresidentBuy1,000$21.25$21.2KForm 4
Jul 11, 2025DUTTON RICHARD JSenior Vice PresidentBuy4,000$21.25$85.0KForm 4
Jul 11, 2025Macioce Mark J.DirectorBuy640$21.25$13.6KForm 4
Jul 11, 2025Morrison Lance A.SVP, Legal CounselBuy1,000$21.25$21.2KForm 4
Jul 11, 2025MULFORD MICHAEL D.Senior Vice PresidentBuy1,000$21.25$21.2KForm 4
Jul 11, 2025Congrove Darci LDirectorBuy1,250$21.25$26.6KForm 4
Jul 11, 2025PERFECT CLYDE A JRBuy2,352$21.25$50.0KForm 4
Apr 30, 2025Murray Dennis E JrDirectorSale6,143$22.25$136.7KForm 4
Apr 29, 2025Murray Dennis E JrDirectorBuy6,143$22.44$137.8KForm 4
Dec 13, 2024Whinnem IanSVP/CFOBuy1,000$22.30$22.3KForm 4
Nov 5, 2024Congrove Darci LDirectorBuy750$20.81$15.6KForm 4
Aug 13, 2024Mattlin Julie ADirectorBuy2,000$15.60$31.2KForm 4

All 43 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Sep 30, 2022Raised $10.5 million in a private offering of equity Form D: 4 investors so far Form D
  2. Nov 30, 2021Raised $75 million in a private offering of debt Form D: 42 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.1,702,436$48.0M0.0%+214,836
Wellington Management Group Llp1,259,065$35.5M0.0%−78,523
Dimensional Fund Advisors LP1,025,247$28.9M0.0%+74,917
Vanguard Capital Management LLC885,162$25.0M0.0%+22,715
Alliancebernstein L.P.899,109$20.5M0.0%−46,606
Manufacturers Life Insurance Company, The570,879$16.1M0.0%−3,918
State Street Corp555,485$15.7M0.0%+155,477
Geode Capital Management, LLC548,033$15.5M0.0%+60,281
Endeavour Capital Advisors Inc516,376$14.6M3.0%−104,499
Royce & Associates LP391,417$11.0M0.1%−1,943
Vanguard Portfolio Management LLC290,834$8.2M0.0%+57,257
Hotchkis & Wiley Capital Management LLC275,008$7.8M0.0%+2,300
Mendon Capital Advisors Corp268,279$7.6M2.7%−43,446
Curi Capital, LLC251,090$7.1M0.1%−32,190
American Century Companies Inc221,567$6.3M0.0%+2,495
Goldman Sachs Group Inc206,717$5.8M0.0%+124,348
Northern Trust Corp192,051$5.4M0.0%+31,750
Aqr Capital Management LLC168,561$4.8M0.0%+12,205
Beese Fulmer Investment Management, Inc.156,384$4.4M0.3%−5,744
Morgan Stanley152,368$4.3M0.0%+27,683
Summit Financial Strategies, Inc.142,614$4.0M0.3%No change
Vanguard Fiduciary Trust Co137,585$3.9M0.0%+1,685
Ritholtz Wealth Management136,518$3.9M0.1%+62
Stieven Capital Advisors, L.P.126,953$3.6M0.7%+300
Bridgeway Capital Management, LLC121,489$3.4M0.1%+6,307

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How CIVISTA BANCSHARES, INC. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCIVISTA BANCSHARES, INC.1
  • CIK0000944745
  • Employer ID (EIN)34-15586885
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company5
  • Incorporated inOhio5
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address100 East Water St, P O Box 5016, Sandusky, OH 448701
  • Phone41962541211
  • Shares outstanding20,794,238 as of Jul 31, 202612
  • Public float$351.1B as of Jun 30, 20255
  • AuditorPlante & Moran, PLLC, Auburn Hills, Michigan PCAOB ID 166; it also attests to the company’s internal control over financial reporting5
  • On EDGAR sinceAug 12, 19961
  • Filings1,928 in all: 4 (812), 8-K (451), 5 (218), 10-Q (91), 3 (53), 4/A (40), DEF 14A (30), 10-K (26)1
    All 46 form types

    5/A (14), SC 13G (13), UPLOAD (13), 8-K/A (12), CORRESP (12), SC 13G/A (12), EFFECT (11), 3/A (10), 425 (10), DEFA14A (10), PRE 14A (9), S-4 (8), 424B3 (7), S-4/A (6), 10-K/A (5), SCHEDULE 13G/A (5), 10-K405 (4), 424B5 (4), ARS (4), S-1/A (4), S-3 (4), S-3/A (4), PRER14A (3), S-8 (3), 144 (2), D (2), FWP (2), S-1 (2), SC TO-I/A (2), SCHEDULE 13G (2), 10-Q/A (1), 25-NSE (1), 424B1 (1), 8-A12B (1), CERTNAS (1), POS EX (1), SC TO-C (1), SC TO-I (1)

  • Latest filingsAnnual report (10-K) Mar 6, 2026
    Quarterly report (10-Q) Aug 6, 2026
    Proxy statement (DEF 14A) Apr 7, 2026
    Latest 8-K (8-K) Oct 1, 2026

Securities registered for trading

ClassSymbolExchange
Common shares, no par valueCIVBNASDAQ

From the cover page of the 10-K filed Mar 6, 2026 (Section 12(b) of the Exchange Act).5

Risk factors and legal proceedings

The risks CIVISTA BANCSHARES, INC. names in Item 1A of its 10-K filed Mar 6, 2026: 5 risks under these headings, as written.5

  • ECONOMIC AND POLITICAL RISKS
  • RISKS RELATED TO OUR BUSINESS OPERATIONS
  • LEGISLATIVE, LEGAL AND REGULATORY RISKS
  • RISKS RELATED TO OUR CAPITAL AND STOCK
  • GENERAL RISK FACTORS

Legal proceedings

In the ordinary course of their respective businesses, the Company or its properties may be named or otherwise subject as a plaintiff, defendant or other party to various pending and threatened legal proceedings and various actual and potential claims. In view of the inherent difficulty of predicting the outcome of such matters, the Company cannot state what the eventual outcome of any such matters will be. However, based on current knowledge and after consultation with legal counsel, management believes that any damages or other amounts related to pending legal proceedings will not have a material adverse effect on the consolidated financial position, results of operations or liquidity of the Company.

The opening of Item 3, Legal Proceedings.5

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