Side-by-side · Q2 2026 data
Civista Bank vs The State Bank and Trust Company
Metric by metric
| Measure | Civista Bank | The State Bank and Trust Company |
|---|---|---|
| TellerScore | 75 (stronger) | 70 |
| Capital cushion | 77 (stronger) | 50 |
| Loan quality | 69 | 90 (stronger) |
| Earnings | 78 (stronger) | 67 |
| Funding & liquidity | 64 (stronger) | 63 |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 77th | 58th |
| Total assets | $4.3B | $1.6B |
| Deposits / shares | $3.5B | $1.4B |
| Capital ratio | 12.71% (stronger) | 10.00% |
| Problem loans | 0.92% | 0.30% (stronger) |
| Net charge-offs | 0.05% | 0.04% (stronger) |
| Return on assets | 1.45% (stronger) | 1.17% |
| Loans ÷ deposits | 92.4% | 84.3% (stronger) |
| Uninsured deposits | 18.3% (stronger) | 26.6% |
| Offices | 42 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 9.9% |
Civista Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Civista Bank leads on 4 and The State Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Napoleon, OH
- Bowling Green, OH
- Dublin, OH