Civista Bank Mortgage Rates, Fees & Info
Sandusky, OH
LEI: 549300H8JJI69WD7I525
Tax ID: 34-4204840
5 stars
-
out of 5 stars, based on 49 reviews
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Mortgage Data
Bank 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
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Civista Bank - 2021
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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
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.
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 |