# CIVISTA BANK
SANDUSKY, OH · FDIC certificate 12982 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.29B | |
| Deposits | $3.49B | |
| Loans and leases | $3.26B | |
| Total equity | $634.9M | |
| Loans / deposits | 92.42% (p66 of band) | 87.10% |
| Liquid assets / assets | 16.98% (p32 of band) | |
| Uninsured deposits / deposits | 18.30% (p14 of band) | 30.76% |
| Brokered deposits | 8.17% | |
| Wholesale funding | 11.14% (p69 of band) | |
| FHLB advances / assets | 2.89% | |
| Tier 1 leverage | 12.71% (p82 of band) | 10.50% |
| Unrealized securities loss / equity | -7.03% (p54 of band) | -7.75% |
| AOCI / equity | 0.10% (p84 of band) | |
| ROA (annualized) | 1.45% (p66 of band) | 1.26% |
| Net interest margin | 4.02% (p69 of band) | 3.70% |
| Efficiency ratio | 58.42% (p48 of band) | |
| Noncurrent loans | 0.92% (p71 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p57 of band) | |
| Reserve coverage of noncurrent | 139.19% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 41.81% (p44 of band) | |
| Auto loans | $4.0M (0.12% of loans; DQ 0.88%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 560 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 | charge-offs p90 | capital falling |
| 2014-09 | 1 |  | charge-offs p90 |
| 2014-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2015-03 | 1 | capital falling | charge-offs p90 |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 3 | wholesale funding >15%, capital falling, uninsured deposits leaving |  |
| 2023-06 | 0 |  | wholesale funding >15%, capital falling, uninsured deposits leaving |
| 2023-09 | 1 | wholesale funding >15% |  |
| 2023-12 | 3 | brokered >10%, capital falling |  |
| 2024-03 | 4 | uninsured deposits leaving |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 2 |  | capital falling, uninsured deposits leaving |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 0 |  | wholesale funding >15%, brokered >10% |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-02 [Parcher Assumes Role as President and CEO of Civista Bancshares - ABF Journal](https://news.google.com/rss/articles/CBMilgFBVV95cUxOaWpaZVNEbm9CelQ0aUFMYl9kV0JYWU00ejdlOVdqaEFyS1MwMFI4d0wzV0l5eVlZZ3lCWnZDTWVDOS11UFVVc2kzUEw5QmREWUh2dnpwbGF1VXZROC1uR3JZcTFMa25pd0VTNndXbFcyS0FpbDVPcFV2c3ZYMTJ0aXFVRW9OZ1ExUG5ZcmVFYXB5cXpzTkE?oc=5) · ABF Journal
- 2026-03-03 [Ohio bank taps next CEO - Banking Dive](https://news.google.com/rss/articles/CBMijwFBVV95cUxPbl84RVJnaHhJUmtieU1BdnVyVzFqdklPVHB5b1AzYkE0QnR2S2NvZXFXOFZoeWQxQkMydjg4Mzd3YV8tWHZ4THNxbFU5RGI0U0VvNlJKN0w3OHo0WFJpM1RJTXlCck9IanlpYUh1MGlfbEZiTlpGcm5Qc1Zqd1czeFN5N3pyS0s1SkhSeGdhZw?oc=5) · Banking Dive
- 2026-08-31 [Civista CEO retires after more than 40 years in banking, stays chairman - Stock Titan](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPRXc2YUE0amZhMmR4emlTMnp5Xzg5QVhHdXlqMTM4M0RGOWVRenM3d3VFbGpOOGVzNFl0Wlhyd2E5NkdzVWdDaVZXR3RSZWxvT2haQ19fcFd3Z1N3UFlSV29pSlpQSnV1dzBNSkRYaUhMckttREVzODFxYW5CY1lYellNcjk4cjhiMEJsZE1fb1A4S21aQzV1RlpNekpHS1IwSmpYTFdNTTgxbHYzalIxWngxUW9oNklmVWY0?oc=5) · Stock Titan
- 2026-03-04 [Dennis Shaffer to retire as Civista Bank CEO - FinTech Futures](https://news.google.com/rss/articles/CBMimgFBVV95cUxOWk1GSkUxT2luem1NREgxY01KTENQQTZtU29ja3NheXF4R0NBY2JMVWdINTd0XzhDbElTOTRnbWVrc2k2dU9qdE53R3ZmQURFb1FFbnNkVW45TGNLNE94REtpVVZtNXJUQ0JwRzR3dEJ2ZmRPbW9ETjB4djBzbC1kU1Y0YU1DS3VVVS1ENnFhMTFUVlpqSEdKbzRR?oc=5) · FinTech Futures
- 2026-03-02 [Ohio-based Civista names the successor to its retiring CEO - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxOZGs5NnQxQVVlUHdvT04wZkJpc0hSSVRsMVpDWE1Pc01kQkRIQ0JsRUlGTWlGM2h6cU5NamJTRkpMUk5scEtRSndGYldsZzJUMGI0Tk9zT3hPQWlMSi1iSlRlMF9EX2U0cExuYkZkMXRSaVkzeWdlcWM4empVQjYtNHU1MHFHa0U0QWxjYnJYaW9BRmp5Si1xbXFB?oc=5) · American Banker
- 2026-08-04 [Civista Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFBsbTE4OE1NODg2LURzRWZ6RWtQaXFqdmp5YmliR0xYV295SUtLc05VNVBNQW5PUVMtSldZNHRhSEtFSVM5WXlaMFNHNUdreWpDU0ZGU3dFREd4by1TNk9vQkpiRmVGS24xc1NDeA?oc=5) · reveliolabs.com
- 2026-03-02 [Civista Bancshares Announces Retirement of Dennis Shaffer; Chuck Parcher to Become CEO - PR Newswire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQcFJjeS1Uc2pnd0o4dnRWN212RnNBTGQ4czdtdWtTallldVpSMVByMENYTWcyel9mZ2RwNFUzTXFaOGlCV0dkRTNmS01tQk91ZmloQmwtUEhDSUVORWpkeDNGanhFeXF6Vzh2LXR3TUluRkxHdGRsWTVRSjR2Y3JaeXpmRVdwVEdRNXMxNE4yc19EQ0ZwMDc2dWVOcFVXVlU5cnItbzhfbEJGeVhWWGV0d2F4UHAxaGxIZXNoVWZJVXhRQ2pNVU14QVNaSXN5QnBjN25wakJVU0w?oc=5) · PR Newswire
- 2026-06-15 [Civista Bank Lobbies Reopen June 15 - Eagle Country 99.3](https://news.google.com/rss/articles/CBMikAFBVV95cUxORldOb1NMMmdqcmsxT0JYTDNWUG9tT1pVbWsxZmI1ODY4TzFzQlVzQTJySDlfcjd5anhaVDdkc2IwejlaY0xHbG5yZVI0Y3lnYUJkNUlYVVBGSTZ6WE1QbEtIX2hRTUtBWjBUVnZ2RzdXd1NyTFJybWgxRTg5YjQ4UWFOVGwwZklnT19KaXNiYXY?oc=5) · Eagle Country 99.3

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12982 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "12982", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide