Civista Bancshares Inc
civb.comWhat Do They Do?
Makes loans and provides deposit services to individuals and businesses, offers wealth and trust services to individuals and organizations, and leases equipment to businesses.
10-K for FY2025, filed Mar 6, 2026The Company’s primary business is incidental to the subsidiary bank and its subsidiaries. Civista, through its locations in the Ohio…View ↗
Interest and fees on loans accounted for 77% of total revenue for 2025, 75% of total revenue for 2024, and 73% of total revenue for 2023.…View ↗
We offer a broad range of deposit and loan products and other banking services. These include personal and commercial checking accounts…View ↗
We offer commercial and personal loans on a secured and unsecured basis, revolving lines of credit, commercial mortgage loans, residential…View ↗
Through our equipment leasing and financing business operated by our CLF division, we offer commercial equipment leasing services for…View ↗
Through our Civista Wealth Management division, we offer investment advisory services to individuals, families, businesses and non-profits…View ↗
How Do They Make Money?
Borrowers pay interest and fees on loans, its main revenue source. Customers also pay deposit-account and card/ATM fees, generally immediately or the following month, while wealth-management fees are charged monthly and collected the following month.
10-K for FY2025, filed Mar 6, 2026Interest and fees on loans accounted for 77% of total revenue for 2025, 75% of total revenue for 2024, and 73% of total revenue for 2023.…View ↗
Service charges consist of account analysis fees (i.e., net fees earned on analyzed business and public checking accounts), monthly service…View ↗
Fees, exchange, and other service charges are primarily comprised of debit and credit card income, ATM fees and other service charges.…View ↗
Wealth management fees are primarily comprised of fees earned from the management and administration of trusts and other customer assets.…View ↗
$19M
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10-K for FY2025, filed Mar 6, 2026
$19M ↗
Who Are Their Customers?
Individuals and businesses use its banking products and services; wealth management also serves families and nonprofit organizations, while equipment leasing serves businesses nationwide.
10-K for FY2025, filed Mar 6, 2026The Company’s primary business is incidental to the subsidiary bank and its subsidiaries. Civista, through its locations in the Ohio…View ↗
We emphasize relationship banking by maintaining and growing our customers and contacts with personal interaction by our bankers and…View ↗
Through our equipment leasing and financing business operated by our CLF division, we offer commercial equipment leasing services for…View ↗
Through our Civista Wealth Management division, we offer investment advisory services to individuals, families, businesses and non-profits…View ↗
Do Revenues Turn Into Profits?
Yes. Its net income in FY2025 was larger than its revenue and turned 221 cents into free cash flow.
How Are They Changing?
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Aug 31, 2026
Chuck Parcher becomes CEO as Dennis Shaffer retires
Shaffer remains chairman of the board.
Sources
8-K, filed Aug 31, 2026
SANDUSKY, Ohio, August 31, 2026 — Civista Bancshares, Inc. (NASDAQ: CIVB) ("Civista") today announced the completion of its previously…View ↗
Flat. Revenue was $19M in FY2025, about the same as the $19.6M of FY2021.
Equipment leasing structure
The older report describes equipment leasing through acquired subsidiary VFG; the latest describes it as Civista’s full-service leasing and financing division serving businesses nationwide.
10-K for FY2022, filed Mar 15, 2023 10-K for FY2025, filed Mar 6, 2026CIVISTA LEASING & FINANCING (“CLF”) formerly known as Vision Financial Group, Inc. ("VFG") was acquired in the fourth quarter of 2022 as a…View ↗
The Company’s primary business is incidental to the subsidiary bank and its subsidiaries. Civista, through its locations in the Ohio…View ↗
Through our equipment leasing and financing business operated by our CLF division, we offer commercial equipment leasing services for…View ↗
Expanded Ohio markets
The latest report includes Lorain and Medina counties among its Ohio markets; the older report’s market list did not include them.
10-K for FY2022, filed Mar 15, 2023 10-K for FY2025, filed Mar 6, 2026At December 31, 2022, our primary market area consisted of the counties in which we currently operate branches, and loan production…View ↗
At December 31, 2025, our primary market area consisted of the counties in which we currently operate branches, and loan production…View ↗
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