Civista Bancshares Inc
NASDAQ:CIVB
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Civista Bancshares Inc
Civista Bancshares, Inc. is a financial holding company, which engages in the community banking business. The company is headquartered in Sandusky, Ohio and currently employs 441 full-time employees. The Company, through the subsidiary bank, Civista Bank, is primarily engaged in the business of community banking. Civista Bank is located in the Ohio counties of Erie, Crawford, Champaign, Cuyahoga, Franklin, Huron, Logan, Madison, Montgomery, Ottawa, Richland and Summit, in the Indiana counties of Dearborn and Ripley and in the Kentucky county of Kenton. The company conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. Its loan portfolio consists of commercial and agriculture, commercial real estate-owner occupied, commercial real estate non-owner occupied, residential real estate, real estate construction, farm real estate, consumer and others. Its deposits include non-interest and interest-bearing demand deposits; savings accounts, including money market deposit accounts, and certificates of deposit, including individual retirement accounts.
Civista Bancshares, Inc. is a financial holding company, which engages in the community banking business. The company is headquartered in Sandusky, Ohio and currently employs 441 full-time employees. The Company, through the subsidiary bank, Civista Bank, is primarily engaged in the business of community banking. Civista Bank is located in the Ohio counties of Erie, Crawford, Champaign, Cuyahoga, Franklin, Huron, Logan, Madison, Montgomery, Ottawa, Richland and Summit, in the Indiana counties of Dearborn and Ripley and in the Kentucky county of Kenton. The company conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. Its loan portfolio consists of commercial and agriculture, commercial real estate-owner occupied, commercial real estate non-owner occupied, residential real estate, real estate construction, farm real estate, consumer and others. Its deposits include non-interest and interest-bearing demand deposits; savings accounts, including money market deposit accounts, and certificates of deposit, including individual retirement accounts.
Earnings Growth: Net income rose to $12.8 million, up 53% year-over-year and 16% from the previous quarter.
Margin Dynamics: Net interest margin was 3.58%, down 6 bps from last quarter due to a prior one-time adjustment, but would have expanded by 11 bps excluding that item.
Capital Raise: Completed an $80.5 million common stock offering, adding 3.78 million shares and strengthening tangible common equity.
Farmers Acquisition: Regulatory approvals received; expected to close shortly after November 4, with full integration and system conversion planned for early February 2026.
Deposit Growth: Total deposits increased $33.4 million; core deposit funding grew $56.4 million as brokered deposits declined.
Loan Trends: Total loans and leases declined by $55.1 million in Q3 due to $120 million in payoffs, but pipelines are strong and loan growth is expected to pick up.
Fee Income Boost: Noninterest income was $9.6 million, up $3 million (46.2%) from last quarter, driven by leasing fees.
Efficiency Ratio: Improved to 61.5% from 64.5% last quarter and 70.5% a year ago.
Guidance: Margin expected to expand 5 bps in Q4, loan growth to return to mid-single-digit annualized rates, and fee income to reach $9.2 million including Farmers.
