Civista Bank

Headquarters

100 E Water St
Sandusky, OH 44870
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.05%	5.50% →
1-Year CD	0.30%	4.65% →
2-Year CD	0.45%	4.25% →
5-Year CD	0.85%	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Bank Information

Civista Bank is an FDIC insured institution located in Sandusky, OH. It was founded in 1884 and has approximately $4 billion in assets. Customers can open an account at one of its 27 branches.


FDIC Insured	Yes
FDIC Certificate	# 12982
Date Established	1884
Assets	$ 4.00 billion
Loans	$ 2.98 billion
Deposits	$ 2.99 billion
Capital	$ 450.37 million

For a more detailed analysis of Civista Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates	APY	MIN	MAX
Savings	0.05%	$2,500	$4,999	Learn More Reviews
Money Market	0.05%	$2,500	$2,999	Learn More Reviews
Money Market	0.05%	$10,000	$14,999	Learn More Reviews
Money Market	0.05%	$25,000	$29,999	Learn More Reviews

CD Rates	APY	MIN	MAX
6 Mo CD	0.20%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.20%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.30%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.30%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.85%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.90%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.45%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.45%	$100,000	$199,999	Learn More Reviews
30 Mo CD	0.50%	$10,000	$14,999	Learn More Reviews
30 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.55%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.55%	$100,000	$199,999	Learn More Reviews
48 Mo CD	0.75%	$10,000	$14,999	Learn More Reviews
48 Mo CD	0.75%	$100,000	$199,999	Learn More Reviews
60 Mo CD	0.85%	$10,000	$14,999	Learn More Reviews
60 Mo CD	0.85%	$100,000	$199,999	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.03%	$2,500	$3,499	Learn MoreShow Less

Loan Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Civista Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1835285	6.494%	6.375% 0.75 points $4,000 fees	$1,997	Learn More
NMLS ID: 1025894	6.863%	6.750% 1.00 points $3,705 fees	$2,076	Learn More
NMLS ID: 2592312 License#: RM.805266.000	6.879%	6.750% 1.00 points $4,432 fees	$2,076	Learn More
NMLS ID: 401822	7.034%	6.875% 1.00 points $5,195 fees	$2,103	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.
Achieve Loans See Table	Intro APR 10.625 % After Intro: 10.625 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501), Equal Housing Lender. All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a .50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to Civista Bank
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Branches

Civista Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Civista Bank Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Dublin Financial Service Branch	12.64	A	View Lobby Hours
Plain City Office Branch	17.96	B	View Lobby Hours
Urbana Branch	40.59	C	View Lobby Hours
Urbana North Branch	41.27	D	View Lobby Hours
West Liberty Branch	44.84	E	View Lobby Hours
Quincy Branch	56.42	F	View Lobby Hours
Russells Point Branch	58.90	G	View Lobby Hours
Huber Heights Branch	60.78	H	View Lobby Hours
Whipp Road Branch	64.98	I	View Lobby Hours
Mansfield Avenue Branch	65.57	J	View Lobby Hours
North Gamble Street Branch	67.08	K	View Lobby Hours
Springboro Pike Branch	69.49	L	View Lobby Hours
New Washington Branch	69.53	M	View Lobby Hours
Shiloh Branch	72.64	N	View Lobby Hours
Plymouth Branch	73.66	O	View Lobby Hours
Willard Branch	76.07	P	View Lobby Hours
Greenwich Branch	78.03	Q	View Lobby Hours
East Seminary Street Branch	90.82	R	View Lobby Hours
Norwalk Branch	91.76	S	View Lobby Hours
Berlin Heights Branch	97.91	T	View Lobby Hours
The Castalia Banking Company Branch	99.81	U	View Lobby Hours
Huron Branch	101.89	V	View Lobby Hours
West Perkins Branch	102.85	W	View Lobby Hours
East Perkins Branch	102.95	X	View Lobby Hours
Civista Bank	104.53	Y	View Lobby Hours
Malinta Branch	107.36	Z	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

Civista Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

Civista Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Civista Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

Civista Bank	U.S. Bank Average
3.12%	4.48%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2024, Civista Bank had $15,283,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $450,373,000 in equity and $39,920,000 in loans loss reserves. That gives it a Texas Ratio of 3.12%.

Return on Equity

Civista Bank	U.S. Bank Average
6.82%	10.46%

Civista Bank has a Return on Equity of 6.82% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

Civista Bank	U.S. Bank Average
11.25%	10.84%

Civista Bank has a Capitalization of 11.25% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Civista Bank Balance Sheet Analysis

As of June 30, 2024, Civista Bank had assets of $4,002,867,000, loans of $2,980,445,000, and deposits of $2,985,405,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2024

ASSETS
Cash & Balances due from depository institutions	$ 54.94 million
Interest-bearing balances	$ 15.24 million
Total securities	$ 606.79 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 2.98 billion
Loan loss allowance	$ 39.92 million
Trading account assets	$ 14.57 million
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 134.23 million
All other assets	$ 110.95 million
Total Assets	$ 3.55 billion

LIABILITIES
Total deposits	$ 2.99 billion
Interest-bearing deposits	$ 2.29 billion
Deposits held in domestic offices	$ 2.99 billion
% insured (estimated)	84.72%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	$ 14.57 million
Other borrowed funds	$ 75.00 million
Subordinated debt	N.A.
All other liabilities	$ 75.62 million
Total Liabilities	$ 3.55 billion
Shareholders’ Equity	$ 450.37 million

Summary Income Statement

June 30, 2024

INCOME AND EXPENSES
Total Interest Income	$ 100.60 million
Total Interest Expense	$ 42.11 million
Net interest income	$ 58.49 million
Provision for loan and lease losses	$ 3.65 million
Total non interest income	$ 18.55 million
Total non interest expense	$ 55.51 million
Pre-tax Net Operating Income	$ 22.05 million

Bank Loan Profile^?

The top three loan types in Civista Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Ohio, Civista Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	15.33	✓
Multifamily Mortgages	6.49		✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	0.11		✓
Small Business Loans	7.90		✓
Construction and Development Loans	5.73		✓
Commercial Real Estate	33.14			✓
Commercial and Industrial Loans	7.45		✓
Farm Loans	0.14		✓

Customer Reviews for Civista Bank

Disappointed

February 5, 2020 |

We used Civista Bank for a mortgage loan because they gave me the best rate of 3.5 for my over 800 credit rating with no points and locked it in for 2 months. Other banks offering the same rate but would not lock it in as they promised. This was at the East Perkins Branch. Come to find out after closing, the bank costs of the loan were actually points paid.. It is our fault for not going through the loan pages with a fine tooth comb but just beware when using this bank. We not never do any kind of business with this bank again. We also paid an even amount for the down payment which took us over 20% by $200.00 and it was not used to lower the amount of the loan. It was not listed anywhere on the loan papers to tell us where it was taken off of the closing costs.. It just disappeared as far as we can see. We were expected to take their word that it reduced the amount of the closing costs.

Is this review helpful? Yes:2 / No: 0
Debbie

November 12, 2019 |

Extremely disappointing...had to cancel a lot card on Veterans day and I was left on hold for over an hour..I finally hung up. Got on the website and wouldn't let me put it on hold and then when we found it it would not let us reinstate it. The also will not let you move your own money anytime you'd like...they start charging you after so many times. I took my savings elsewhere.

Is this review helpful? Yes:2 / No: 0