Civista Bank (FDIC #12982): Bank Stress & Real-Estate Credit Exposure

Civista Bank (FDIC Cert #12982): bank stress 45/100, moderate, STABLE over 7 days; parent CIVISTA BANCSHARES INC.

Civista Bank (#12982) lends in 18 counties across 2 states; Civista Bank (#12982) reaches 391 ZIP codes: Ohio 16 counties, 372 ZIPs; Indiana 2 counties, 19 ZIPs.

Civista Bank (#12982) largest markets: Cuyahoga County, OH (52 branches, 52 ZIPs) (#12982), Franklin County, OH (100 branches, 50 ZIPs) (#12982), Summit County, OH (43 branches, 43 ZIPs) (#12982), Montgomery County, OH (126 branches, 42 ZIPs) (#12982), Wood County, OH (34 branches, 34 ZIPs) (#12982), Medina County, OH (24 branches, 24 ZIPs) (#12982).

Civista Bank (#12982) reports $4.29 billion in total assets; Civista Bank (#12982) equity $634.9 million (14.8% of Civista Bank (#12982) assets); Civista Bank (#12982) domestic deposits $3.49 billion; Civista Bank (#12982) net income $31.1 million; Civista Bank (#12982) return on assets 1.45%; Civista Bank (#12982) return on equity 9.91%; Civista Bank (#12982) net interest income $78.9 million; Civista Bank (#12982) call report June 30, 2026.

Civista Bank (#12982) noncurrent real-estate loans 0.03% of its book; Civista Bank (#12982) residential 0.07%; Civista Bank (#12982) net charge-offs on real estate 0.68%; Civista Bank (#12982) multifamily charge-offs 3.04%; Civista Bank (#12982) residential charge-offs 0.19%.

Civista Bank (#12982) net interest margin 4.02% against an eight-quarter Civista Bank (#12982) average of 3.70% (Civista Bank (#12982) compression -0.32 points); Civista Bank (#12982) real-estate loans 3.3% of equity; Civista Bank (#12982) non-residential real estate 18.7% of equity; Civista Bank (#12982) rate-exposure score 40/100, Civista Bank (#12982) fixed-rate trap 40/100; Civista Bank (#12982) risk type credit driven; Civista Bank (#12982) rate regime rates elevated, Civista Bank (#12982) snapshot October 20, 2026.

Civista Bank (#12982) stress score moved from 43.3 on June 22, 2026 to 44.7 on October 20, 2026; Civista Bank (#12982) ranged 43.3 to 44.7 over 117 snapshots.

Civista Bank (#12982) alerts: 18 counties; top Civista Bank (#12982) alert scores: Sandusky County, OH 45 (moderate); Shelby County, OH 41 (moderate); Akron County, OH 18 (low); Beachwood County, OH 18 (low); Bowling Green County, OH 18 (low).