Civista Bank (FDIC certificate #12982) is based in Sandusky, Ohio. Its Q2 2026 call report shows $4.3B in total assets and $3.5B in deposits and 42 offices across 2 states.
Based on its Q2 2026 filing, Civista Bank scores 75/100, which we describe as strong. That is higher than 77% of 897 banks with $1 billion – $10 billion. Among 157 banks headquartered in Ohio, it ranks 43rd. Its strongest component is problem-loan coverage (91/100; 4.4%), and its lowest is funding & liquidity (64/100; 92% loans-to-deposits, 18% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 10 points (65 → 75), mostly because the capital cushion component improved by 30 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 65 |
| Q4 2024 | 60 |
| Q1 2025 | 62 |
| Q2 2025 | 65 |
| Q3 2025 | 72 |
| Q4 2025 | 71 |
| Q1 2026 | 75 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.59% |
| Q3 2024 | 9.67% |
| Q4 2024 | 9.62% |
| Q1 2025 | 9.58% |
| Q2 2025 | 9.65% |
| Q3 2025 | 11.89% |
| Q4 2025 | 12.29% |
| Q1 2026 | 12.63% |
| Q2 2026 | 12.71% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.54% |
| Q4 2024 | 1.01% |
| Q1 2025 | 1.00% |
| Q2 2025 | 0.73% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.95% |
| Q1 2026 | 0.92% |
| Q2 2026 | 0.92% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.84% |
| Q4 2024 | 0.89% |
| Q1 2025 | 1.13% |
| Q2 2025 | 1.16% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.22% |
| Q1 2026 | 1.46% |
| Q2 2026 | 1.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $4.3B | 12.71% | 0.92% | 1.45% | 92.4% |
| Q1 2026 | 75 | $4.3B | 12.63% | 0.92% | 1.46% | 90.8% |
| Q4 2025 | 71 | $4.3B | 12.29% | 0.95% | 1.22% | 92.7% |
| Q3 2025 | 72 | $4.1B | 11.89% | 0.74% | 1.22% | 94.6% |
| Q2 2025 | 65 | $4.2B | 9.65% | 0.73% | 1.16% | 97.4% |
| Q1 2025 | 62 | $4.1B | 9.58% | 1.00% | 1.13% | 94.4% |
| Q4 2024 | 60 | $4.1B | 9.62% | 1.01% | 0.89% | 94.5% |
| Q3 2024 | 65 | $4.1B | 9.67% | 0.54% | 0.84% | 93.4% |
| Q2 2024 | 63 | $4.0B | 9.59% | 0.51% | 0.78% | 99.8% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| National Cooperative Bank, N.A.Bank Hillsboro, OH | 46 out of 100, Below average | $4.3B | 11.3% | 2.67% | vs |
| Union Savings BankBank Cincinnati, OH | 74 out of 100, Strong | $4.0B | 10.5% | 0.70% | vs |
| Erebor Bank, N.A.Bank Columbus, OH | 78 out of 100, Strong | $4.7B | 38.8% | 0.00% | vs |
| The Farmers & Merchants State BankBank Archbold, OH | 70 out of 100, Strong | $3.5B | 9.4% | 0.27% | vs |
| First Federal Savings and Loan Association of LakewoodBank Lakewood, OH | 56 out of 100, Moderate | $2.9B | 8.4% | 0.44% | vs |
| LCNB National BankBank Lebanon, OH | 68 out of 100, Moderate | $2.2B | 9.3% | 0.34% | vs |
Deposit insurance
Is my money safe at Civista Bank?
Yes. Civista Bank is an FDIC-insured institution (FDIC certificate #12982). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.3% of deposits ($638.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.71%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.64% (benchmark: 10%).
42 locations
Branches
Civista Bank lists 42 offices in 35 cities across 2 states. Most locations:
- Lawrenceburg, IN (3)
- Sandusky, OH (3)
- Napoleon, OH (2)
- Norwalk, OH (2)
- Shelby, OH (2)
- Akron, OH (1)
- Aurora, IN (1)
- Beachwood, OH (1)
- Berlin Heights, OH (1)
- Bowling Green, OH (1)
- Castalia, OH (1)
- Columbus, OH (1)
HMDA 2025
Mortgage lending
In 2025, Civista Bank reported 2,130 home-loan applications under HMDA (LEI 549300H8JJI69WD7I525): 1,643 originated ($442,765,000 total), 249 denied, and 142 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Civista Bank
- Former names
- The Citizens Banking Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 12982
- RSSD ID
- 542528
- Primary regulator
- FED
- Holding company
- Civista Bancshares Inc
- Established
- March 1, 1884
- Headquarters
- 100 E Water St, Sandusky, OH 44870
- Website
- www.civista.bank
- Employees
- 560
Quick answers
Civista Bank: common questions
Is Civista Bank FDIC insured?
Yes. Civista Bank is an FDIC-insured institution (FDIC certificate #12982). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Civista Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Civista Bank ever failed?
There is no failure record for FDIC certificate #12982 in the FDIC failed bank list.
How many branches does Civista Bank have?
42 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Sandusky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Bank of OhioBank Galion, OH | 75 out of 100, Strong | $282.9M | 13.7% | 0.93% | vs |
| Fremont Federal Credit UnionCredit union Fremont, OH | 74 out of 100, Strong | $391.4M | 12.7% | 0.86% | vs |
| The Croghan Colonial BankBank Fremont, OH | 73 out of 100, Strong | $1.4B | 10.1% | 0.08% | vs |
| Vacationland Federal Credit UnionCredit union Sandusky, OH | 72 out of 100, Strong | $326.9M | 12.8% | 1.16% | vs |
| The Old Fort Banking CompanyBank Old Fort, OH | 72 out of 100, Strong | $843.9M | 8.9% | 0.20% | vs |
| The State Bank and Trust CompanyBank Defiance, OH | 70 out of 100, Strong | $1.6B | 10.0% | 0.30% | vs |