Side-by-side · Q2 2026 data
Civista Bank vs The Wilmington Savings Bank
Metric by metric
| Measure | Civista Bank | The Wilmington Savings Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 72 |
| Capital cushion | 77 | 96 (stronger) |
| Loan quality | 69 | 73 (stronger) |
| Earnings | 78 (stronger) | 51 |
| Funding & liquidity | 64 (stronger) | 39 |
| Problem-loan coverage | 91 | 92 (stronger) |
| Peer percentile | 77th | 50th |
| Total assets | $4.3B | $267.3M |
| Deposits / shares | $3.5B | $228.1M |
| Capital ratio | 12.71% | 14.61% (stronger) |
| Problem loans | 0.92% | 0.82% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.45% (stronger) | 0.78% |
| Loans ÷ deposits | 92.4% | 90.9% (stronger) |
| Uninsured deposits | 18.3% (stronger) | 42.5% |
| Offices | 42 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | — |
Civista Bank has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Civista Bank leads on 3 and The Wilmington Savings Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.