Civista Bank Mortgage Rates, Fees & Info

Sandusky, OH

LEI: 549300H8JJI69WD7I525

Tax ID: 34-4204840

5 stars - out of 5 stars, based on 49 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Civista Bank is a smaller bank specializing in Home Purchase and Refi loans. Civista Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Cincinnati, Columbus, Sandusky, Cleveland, and Akron among others. Civista Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Civista Bank is typically a low fee lendor.


Originations

2,446

Origination Dollar Volume (All Markets)

$451,970,000

Employee count

444 Show all (14) awards

Relative Rate

Civista Bank's average 30 year fixed rate mortgage of loans were 3.09%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.06%.

Relative Fees

Civista Bank's average total fees for a 30 year fixed rate mortgage are $3,127.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 554 $105,200,000 $189,892 $2,443 3.05%
COLUMBUS, OH (FHA|USDA|VA) 422 $91,880,000 $217,725 $3,146 3.09%
Sandusky, OH (FHA|USDA|VA) 505 $73,925,000 $146,386 $3,260 3.74%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 231 $50,775,000 $219,805 $3,550 3.20%
Outside of Metro Areas 148 $23,340,000 $157,703 $2,276 3.06%
AKRON, OH (FHA|USDA|VA) 59 $17,065,000 $289,237 $3,242 3.25%
DAYTON-KETTERING, OH (FHA|USDA|VA) 69 $13,405,000 $194,275 $3,250 3.22%
TOLEDO, OH (FHA|USDA|VA) 61 $13,315,000 $218,279 $3,382 3.04%
Norwalk, OH (FHA|USDA|VA) 117 $13,265,000 $113,376 $3,219 3.12%
MANSFIELD, OH (FHA|USDA|VA) 61 $5,945,000 $97,459 $2,732 3.02%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 14 $4,640,000 $331,429 $2,414 3.18%
Urbana, OH (FHA|USDA|VA) 30 $4,330,000 $144,333 $3,847 3.01%
Fremont, OH (FHA|USDA|VA) 28 $4,120,000 $147,143 $3,051 3.08%
Bellefontaine, OH (FHA|USDA|VA) 17 $2,555,000 $150,294 $3,473 2.93%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 4 $2,440,000 $610,000 $3,181 3.37%
Bucyrus-Galion, OH (FHA|USDA|VA) 23 $2,375,000 $103,261 $2,767 3.05%
SPRINGFIELD, OH (FHA|USDA|VA) 12 $2,210,000 $184,167 $3,002 3.14%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,965,000 $393,000 $3,468 3.13%
CANTON-MASSILLON, OH (FHA|USDA|VA) 14 $1,760,000 $125,714 $2,902 3.42%
Ashtabula, OH (FHA|USDA|VA) 3 $1,165,000 $388,333 $4,056 2.79%
Wooster, OH (FHA|USDA|VA) 4 $1,110,000 $277,500 $2,911 2.84%
Greensburg, IN (FHA|USDA|VA) 3 $1,105,000 $368,333 $1,991 2.92%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $1,010,000 $505,000 $4,574 2.99%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $980,000 $245,000 $2,773 3.03%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $780,000 $390,000 $3,626 3.13%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $700,000 $350,000 $4,891 3.06%
Ashland, OH (FHA|USDA|VA) 5 $605,000 $121,000 $2,956 3.28%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $590,000 $295,000 $3,810 3.06%
Marion, OH (FHA|USDA|VA) 4 $580,000 $145,000 $3,515 2.88%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $545,000 $545,000 $6,331 2.63%
Greenville, OH (FHA|USDA|VA) 2 $470,000 $235,000 $2,941 3.25%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $435,000 $435,000 $5,136 3.38%
Olean, NY (FHA|USDA|VA) 1 $415,000 $415,000 $4,066 2.25%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $405,000 $405,000 $0 3.85%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $385,000 $385,000 $4,757 2.75%
KNOXVILLE, TN (FHA|USDA|VA) 1 $365,000 $365,000 $3,729 3.00%
Athens, OH (FHA|USDA|VA) 1 $355,000 $355,000 $0 2.63%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $325,000 $325,000 $2,977 2.99%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $315,000 $315,000 $2,492 2.88%
Wilmington, OH (FHA|USDA|VA) 1 $305,000 $305,000 $3,223 3.50%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $295,000 $98,333 $3,211 3.29%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $290,000 $145,000 $2,583 2.94%
Portsmouth, OH (FHA|USDA|VA) 1 $255,000 $255,000 $3,522 2.75%
Marietta, OH (FHA|USDA|VA) 1 $245,000 $245,000 $3,160 2.63%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $235,000 $235,000 $3,609 3.13%
Mount Vernon, OH (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.50%
Celina, OH (FHA|USDA|VA) 1 $235,000 $235,000 $3,813 2.88%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 1 $205,000 $205,000 $1,812 2.75%
PITTSBURGH, PA (FHA|USDA|VA) 1 $195,000 $195,000 $4,002 2.75%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $185,000 $185,000 $3,067 2.88%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $185,000 $185,000 $2,737 2.63%
Sidney, OH (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.25%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,981 2.99%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $175,000 $175,000 $2,411 3.63%
Cambridge, OH (FHA|USDA|VA) 1 $155,000 $155,000 $2,366 2.50%
BRUNSWICK, GA (FHA|USDA|VA) 1 $135,000 $135,000 $3,216 2.88%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $135,000 $135,000 $2,462 2.50%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $135,000 $135,000 $2,284 3.13%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,989 3.13%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,440 2.63%
Tiffin, OH (FHA|USDA|VA) 1 $115,000 $115,000 $4,903 2.50%
LIMA, OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,284 3.25%
Connersville, IN (FHA|USDA|VA) 1 $105,000 $105,000 $1,758 3.38%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $105,000 $105,000 $2,170 3.38%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.25%
Zanesville, OH (FHA|USDA|VA) 1 $85,000 $85,000 $2,916 2.50%

Civista Bank's top markets include Cincinnati, Columbus, Sandusky, Cleveland, and Akron among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 2,370 $436,980,000 $184,380 $2,901 3.24%
FHA 60 $10,690,000 $178,167 $6,250 3.00%
VA 10 $3,310,000 $331,000 $6,157 2.80%
USDA 6 $990,000 $165,000 $4,823 2.43%

For the 2021 period, Civista Bank's most frequently originated loan type of loans were Conventional, with 2,370 originations. Their 2nd most popular type is FHA, with 60 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 960 $215,460,000 $224,438 $3,212 3.08%
Other 680 $78,130,000 $114,897 $0 3.74%
Refi 525 $104,375,000 $198,810 $2,713 2.86%
Cash Out Refi 257 $48,575,000 $189,008 $2,993 3.17%
Home Improvement 24 $5,430,000 $226,250 $3,816 3.09%

For the 2021, Civista Bank's most frequently cited loan purpose of loans were Home Purchase, with 960 originations. The 2nd most popular reason of loans were Other, with 680 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,284 $267,460,000 $208,302 $3,127 3.09%
15 Year 964 $127,960,000 $132,739 $2,697 3.38%
20 Year 67 $12,275,000 $183,209 $2,779 3.07%
10 Year 65 $19,235,000 $295,923 $2,675 3.25%
Other 44 $9,650,000 $219,318 $3,191 3.73%
5 Year 16 $14,080,000 $880,000 $0 3.85%
30+ year 3 $865,000 $288,333 $0 3.04%
1 Year 2 $190,000 $95,000 $0 7.00%
3 Year 1 $255,000 $255,000 $0 4.25%

For the 2021, Civista Bank's most frequently cited loan length of loans were 30 Year, with 1,284 originations. The 2nd most popular length of loans were 15 Year, with 964 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 1,370 $276,250,000 $201,642
$1k-2k 259 $45,385,000 $175,232
$2k-3k 33 $8,275,000 $250,758
$3k-4k 11 $3,975,000 $361,364
$5k+ 3 $1,185,000 $395,000

$3,127 of loans were Civista Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,370 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 1,347 $221,015,000 $164,079
2.5-3% 735 $158,635,000 $215,830
<2.5% 288 $55,960,000 $194,306
4-5% 68 $13,420,000 $197,353
5-6% 3 $125,000 $41,667
6-7% 2 $190,000 $95,000
Over 8% 1 $345,000 $345,000

During 2021, Civista Bank's average interest rate of loans were 3.09%, while their most frequently originated rate bucket of loans were 3-4%, with 1,347 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100k-200k 929 $132,425,000 $142,546 $2,849 3.07%
$100,000 or less 736 $44,810,000 $60,883 $2,695 3.19%
$200k-400k 580 $155,120,000 $267,448 $3,305 3.59%
$400k-600k 161 $77,105,000 $478,913 $3,956 2.97%
$600k-1MM 25 $19,495,000 $779,800 $4,624 3.31%
$1MM+ 15 $23,015,000 $1,534,333 $5,313 3.62%

2021 saw Civista Bank place emphasis on $100k-200k loans with 929 originations, totaling $132,425,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 545 $59,505,000 $109,183 $2,738 3.07%
$50k-75k 518 $70,190,000 $135,502 $2,941 3.03%
$100k-150k 425 $78,955,000 $185,776 $3,150 3.12%
$75k-100k 348 $60,240,000 $173,103 $3,125 3.04%
$150k-250k 331 $81,285,000 $245,574 $3,223 3.07%
$250k+ 191 $62,605,000 $327,775 $3,506 4.80%

Civista Bank lent most frequently to those with incomes in the $50k or less range, with 545 originations. The second most popular income band? $50k-75k, with 518 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 598 $99,790,000 $166,873 $2,920 3.03%
<20% 465 $76,605,000 $164,742 $3,029 3.81%
30-36% 419 $75,015,000 $179,033 $3,006 3.05%
39% 85 $14,145,000 $166,412 $3,000 3.14%
38% 80 $14,710,000 $183,875 $3,042 3.05%
41% 78 $13,840,000 $177,436 $3,100 3.04%
36% 77 $14,425,000 $187,338 $3,279 3.03%
37% 75 $12,365,000 $164,867 $2,864 3.12%
42% 68 $12,600,000 $185,294 $3,037 2.99%
40% 68 $11,500,000 $169,118 $2,945 3.10%
44% 68 $13,240,000 $194,706 $3,053 3.09%
43% 62 $11,610,000 $187,258 $3,051 3.12%
49% 60 $12,790,000 $213,167 $3,445 3.12%
46% 49 $9,685,000 $197,653 $3,030 2.97%
47% 38 $7,850,000 $206,579 $3,180 3.02%
48% 38 $6,660,000 $175,263 $2,912 3.01%
45% 36 $7,210,000 $200,278 $3,131 3.13%
50-60% 7 $1,955,000 $279,286 $5,281 2.89%

Civista Bank lent most frequently to those with DTI ratios of 20-30%, with 598 originations. The next most common DTI ratio? <20%, with 465 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 1,798 $327,500,000 $182,147 $2,994 3.21%
Not provided 495 $74,335,000 $150,172 $3,233 3.21%
Not applicable 63 $32,185,000 $510,873 $0 3.97%
Asian 39 $9,715,000 $249,103 $3,030 3.07%
Black 46 $7,170,000 $155,870 $3,358 3.09%
Native Hawaiian 4 $790,000 $197,500 $3,481 4.06%
American Indian 1 $275,000 $275,000 $3,129 3.13%

Approval Rates

Total approvals of all applications
91.00%

Civista Bank has an average approval rate.

Pick Rate

Approvals leading to origination
85.41%

Civista Bank has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 2,446 $451,970,000 $184,779

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
2,446 $451,970,000 $184,779

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 319 $38,475,000 $120,611 $2,705 3.12%
40-60% 369 $64,805,000 $175,623 $2,739 2.94%
60-80% 782 $170,810,000 $218,427 $2,943 3.16%
80-100% 753 $164,325,000 $218,227 $3,234 3.46%
Over 100% 2 $2,200,000 $1,100,000 $23,515 2.81%
Under 20% 220 $11,150,000 $50,682 $3,233 3.30%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Civista Bank 100 East Water Street Sandusky, OH 44870 Full Service B&M $469,097
Civista Bank 49 Sandusky Street Plymouth, OH 44865 Full Service B&M $13,209
Civista Bank 500 Green Blvd Aurora, IN 47001 Full Service B&M $69,861
Civista Bank 510 South Buckeye Osgood, IN 47037 Full Service B&M $33,777
Civista Bank 529 North Cleveland Massillon Road Akron, OH 44333 Full Service B&M $100,810
Civista Bank 601 Scioto Street Urbana, OH 43078 Full Service B&M $129,899
Civista Bank 6400 Perimeter Drive Dublin, OH 43017 Full Service B&M $92,329
Civista Bank 702 West Perkins Avenue Sandusky, OH 44870 Full Service B&M $69,614
Civista Bank 7455 Old Troy Pike Huber Heights, OH 45424 Full Service B&M $19,269
Civista Bank 7600 Frey Road West Harrison, IN 47060 Full Service B&M $58,886
Civista Bank 92 Walnut Street Lawrenceburg, IN 47025 Full Service B&M $109,782
Civista Bank 9700 Springboro Pike Miamisburg, OH 45342 Full Service B&M $44,964
Civista Bank 205 South Detroit Street West Liberty, OH 43357 Full Service B&M $33,495
Civista Bank 207 Milan Avenue Norwalk, OH 44857 Full Service B&M $46,089
Civista Bank 208 South Washington Street Castalia, OH 44824 Full Service B&M $60,322
Civista Bank 2100 East Perkins Avenue Sandusky, OH 44870 Full Service B&M $79,926
Civista Bank 215 Eads Parkway Lawrenceburg, IN 47025 Full Service B&M $234,694
Civista Bank 23 West Main Street Shiloh, OH 44878 Full Service B&M $9,162
Civista Bank 24 Main Street Berlin Heights, OH 44814 Full Service B&M $41,454
Civista Bank 29 West Whipp Road Dayton, OH 45459 Full Service B&M $55,500
Civista Bank 320 South Jefferson Avenue Plain City, OH 43064 Full Service B&M $20,218
Civista Bank 330 South Orchard Island Road Russells Point, OH 43348 Full Service B&M $27,205
Civista Bank 36 East Seminary Street Norwalk, OH 44857 Full Service B&M $126,686
Civista Bank 3723 Park East Drive Beachwood, OH 44122 Full Service B&M $42,427
Civista Bank 410 Cleveland Road East Huron, OH 44839 Full Service B&M $63,472
Civista Bank 101 South Miami Street Quincy, OH 43343 Full Service B&M $7,543
Civista Bank 102 South Kibler Street New Washington, OH 44854 Full Service B&M $57,055
Civista Bank 106 Mill Street Milan, IN 47031 Full Service B&M $50,119
Civista Bank 111 East Us 50 Versailles, IN 47042 Full Service B&M $23,153
Civista Bank 13 Main Street Greenwich, OH 44837 Full Service B&M $28,705
Civista Bank 15 E. Walton Street Willard, OH 44890 Full Service B&M $10,126
Civista Bank 156 Mansfield Avenue Shelby, OH 44875 Full Service B&M $92,677
Civista Bank 185 S. E. Catawba Road Port Clinton, OH 43452 Full Service B&M $24,331
Civista Bank 19710 State Line Road Lawrenceburg, IN 47025 Full Service B&M $59,777
Civista Bank 200 North Gamble Street Shelby, OH 44875 Full Service B&M $14,829

For 2021, Civista Bank had 35 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $101,687
Net interest income $96,326
Total noninterest income $29,562
Gross Fiduciary activities income $3,866
Service charges on deposit accounts $5,905
Trading account gains and fees $143
Additional Noninterest Income $19,648
Pre-tax net operating income $46,673
Securities gains (or losses, -) $1,786
Income before extraordinary items $41,021
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $41,021
Minority interest net income $0
Net income $41,021
Sale, conversion, retirement of capital stock, net $0
Net operating income $39,502

Civista Bank's gross interest income from loans was $101,687,000.
Civista Bank's net interest income from loans was $96,326,000.
Civista Bank's fee based income from loans was $5,905,000.
Civista Bank's net income from loans was $41,021,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $5,361
Provision for credit losses $830
Total noninterest expense $78,385
Salaries and employee benefits $44,419
Premises and equipment expense $6,039
Additional noninterest expense $27,927
Applicable income taxes $7,438
Net charge-offs $-783
Cash dividends $19,900

Civista Bank's interest expense for loans was $5,361,000.
Civista Bank's payroll and benefits expense were $44,419,000.
Civista Bank's property, plant and equipment expenses $6,039,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $2,462,301
Deposits held in domestic offices $2,462,301
Deposits by Individuals, partnerships, and corporations $2,109,252
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $353,049
Deposits by Commercial banks and other depository institutions in U.S. $0
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $316,037
Demand deposits $316,037
Nontransaction accounts $2,146,264
Money market deposit accounts (MMDAs) $403,282
Other savings deposits (excluding MMDAs) $1,496,534
Total time deposits $246,448
Total time and savings deposits $2,146,264
Noninterest-bearing deposits $834,506
Interest-bearing deposits $1,627,795
Retail deposits $2,383,832
IRAs and Keogh plan accounts $41,916
Brokered deposits $20,602
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $3,006,039
Cash & Balances due from depository institutions $260,976
Interest-bearing balances $236,590
Total securities $559,368
Federal funds sold & reverse repurchase $0
Net loans and leases $1,973,210
Loan and leases loss allowance $26,641
Trading account assets $11,072
Bank premises and fixed assets $24,908
Other real estate owned $0
Goodwill and other intangibles $84,432
All other assets $92,073

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $3,006,039
Total Liabilities $2,597,939
Total deposits $2,462,301
Interest-bearing deposits $1,627,795
Deposits held in domestic offices $2,462,301
% insured (estimated) $74
Federal funds purchased and repurchase agreements $25,495
Trading liabilities $11,072
Other borrowed funds $75,000
Subordinated debt $0
All other liabilities $24,071

Issued Loan Types

Type Value (in 000's)
Net loans and leases $1,973,210
Loan and leases loss allowance $26,641
Total loans and leases (domestic) $1,999,851
All real estate loans $1,742,340
Real estate loans in domestic offices $1,742,340
Construction and development loans $157,127
Residential 1-4 family construction $24,999
Other construction, all land development and other land $132,128
Loans secured by nonfarm nonresidential properties $944,893
Nonfarm nonresidential secured by owner-occupied properties $295,452
Commercial real estate & other non-farm, non-residential $649,441
Multifamily residential real estate $179,869
1-4 family residential loans $432,032
Farmland loans $28,419
Loans held in foreign offices $0
Farm loans $11,392
Commercial and industrial loans $234,837
To non-U.S. addressees $0
Loans to individuals $10,641
Credit card loans $0
Related Plans $1,999
Consumer Auto Loans $3,130
Other loans to individuals $5,512
All other loans & leases $641
Loans to foreign governments and official institutions $0
Other loans $368
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $0
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $1,497
Non 1-4 family restructured loans & leases $696
Total loans and leases (foreign) $0

Civista Bank had $1,973,210,000 of loans outstanding in 2021. $1,742,340,000 of loans were in real estate loans. $157,127,000 of loans were in development loans. $179,869,000 of loans were in multifamily mortgage loans. $432,032,000 of loans were in 1-4 family mortgage loans. $11,392,000 of loans were in farm loans. $0 of loans were in credit card loans. $3,130,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 784 $194,685 $248,323
Nonfarm, nonresidential loans - <$100k 106 $4,245 $40,047
Nonfarm, nonresidential loans - $100-250k 271 $32,433 $119,679
Nonfarm, nonresidential loans - $250k-1MM 407 $158,007 $388,224
Commercial & Industrial, US addressed loans - <$1MM 1,089 $102,103 $93,758
Commercial & Industrial, US addressed loans - <$100k 624 $15,412 $24,699
Commercial & Industrial, US addressed loans - $100-250k 232 $22,620 $97,500
Commercial & Industrial, US addressed loans - $250k-1MM 233 $64,071 $274,983
Farmland loans - <$1MM 81 $10,658 $131,580
Farmland loans - <$100k 21 $817 $38,905
Farmland loans - $100-250k 34 $3,380 $99,412
Farmland loans - $250k-1MM 26 $6,461 $248,500
Agriculture operations loans - <$1MM 79 $2,932 $37,114
Agriculture operations loans - <$100k 58 $1,070 $18,448
Agriculture operations loans - $100-250k 14 $1,202 $85,857
Agriculture operations loans - $250k-1MM 7 $660 $94,286