Civista Bank Mortgage Rates, Fees & Info

Sandusky, OH

LEI: 549300H8JJI69WD7I525

Tax ID: 34-4204840

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Civista Bank is a smaller bank specializing in Home Purchase 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 by origination volume include: Columbus, Cincinnati, Cleveland, Sandusky, and Dayton among others. We have data for 45 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Civista Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Civista Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 12/16/24
    30 Year Conventional Purchase 6.33% 12/16/24
    30 Year Conventional Refi 6.23% 12/16/24
    30 Year Cash-out Refi 6.44% 12/16/24
    30 Year FHA Purchase 6.91% 12/16/24
    30 Year FHA Refi 7.00% 12/16/24
    30 Year VA Purchase 5.99% 12/16/24
    30 Year VA Refi 6.27% 12/16/24
    30 Year USDA Purchase 6.70% 12/16/24
    30 Year USDA Refi 6.27% 12/16/24
    15 Year Conventional Purchase 5.95% 12/16/24
    15 Year Conventional Refi 6.00% 12/16/24
    15 Year Cash-out Refi 6.00% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Civista Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Civista Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,101

    Origination Dollar Volume (All Markets)

    $240,115,000

    Employee count

    457 Show all (18) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    COLUMBUS, OH (FHA|USDA|VA) 212 $57,790,000 $272,594 $3,285 4.03%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 255 $50,295,000 $197,235 $2,468 4.17%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 101 $33,995,000 $336,584 $3,373 4.24%
    Sandusky, OH (FHA|USDA|VA) 193 $24,305,000 $125,933 $2,826 4.31%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 47 $22,295,000 $474,362 $3,147 4.20%
    AKRON, OH (FHA|USDA|VA) 41 $10,725,000 $261,585 $3,110 4.10%
    Outside of Metro Areas 51 $7,025,000 $137,745 $2,106 4.11%
    Norwalk, OH (FHA|USDA|VA) 51 $6,965,000 $136,569 $2,871 4.12%
    TOLEDO, OH (FHA|USDA|VA) 21 $5,025,000 $239,286 $2,922 4.18%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 8 $3,070,000 $383,750 $4,535 4.34%
    Urbana, OH (FHA|USDA|VA) 19 $2,405,000 $126,579 $3,053 4.16%
    MANSFIELD, OH (FHA|USDA|VA) 23 $2,095,000 $91,087 $2,697 4.03%
    Bellefontaine, OH (FHA|USDA|VA) 8 $1,880,000 $235,000 $3,215 4.13%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 9 $1,435,000 $159,444 $3,280 4.33%
    Fremont, OH (FHA|USDA|VA) 10 $1,140,000 $114,000 $2,916 4.11%
    SPRINGFIELD, OH (FHA|USDA|VA) 4 $1,020,000 $255,000 $2,999 3.84%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $1,010,000 $505,000 $0 4.64%
    Bucyrus-Galion, OH (FHA|USDA|VA) 8 $850,000 $106,250 $2,727 4.11%
    Mount Vernon, OH (FHA|USDA|VA) 4 $760,000 $190,000 $3,946 3.90%
    WILMINGTON, NC (FHA|USDA|VA) 1 $525,000 $525,000 $2,999 4.75%
    JACKSONVILLE, FL (FHA|USDA|VA) 2 $490,000 $245,000 $3,374 3.88%
    Ashland, OH (FHA|USDA|VA) 3 $455,000 $151,667 $2,621 4.33%
    Findlay, OH (FHA|USDA|VA) 1 $435,000 $435,000 $3,477 4.50%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $340,000 $170,000 $3,292 3.56%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $325,000 $325,000 $3,364 4.38%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $315,000 $315,000 $2,767 4.13%
    Tiffin, OH (FHA|USDA|VA) 3 $295,000 $98,333 $2,544 4.08%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $275,000 $275,000 $4,067 4.50%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,265 4.75%
    Ashtabula, OH (FHA|USDA|VA) 1 $225,000 $225,000 $2,906 4.00%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $215,000 $215,000 $4,354 4.25%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $195,000 $195,000 $3,092 4.13%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,420 4.00%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,362 4.25%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $175,000 $175,000 $5,790 4.38%
    Wooster, OH (FHA|USDA|VA) 1 $165,000 $165,000 $2,866 4.75%
    MUNCIE, IN (FHA|USDA|VA) 2 $160,000 $80,000 $2,134 4.50%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $145,000 $145,000 $3,028 3.99%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $135,000 $135,000 $3,080 4.75%
    Madison, IN (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.42%
    LIMA, OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,862 4.13%
    Greensburg, IN (FHA|USDA|VA) 1 $95,000 $95,000 $1,878 4.75%
    Marion, OH (FHA|USDA|VA) 2 $80,000 $40,000 $2,280 4.63%
    Crossville, TN (FHA|USDA|VA) 1 $75,000 $75,000 $2,471 3.88%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $75,000 $75,000 $3,229 3.63%
    Civista Bank's top markets include Columbus, Cincinnati, Cleveland, Sandusky, and Dayton among others.

    Their top states include:
  • Ohio (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Civista Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Bay Area Credit Union, Inc.
    Similarity Rank: 13
    Mechanics Bank
    Similarity Rank: 20
    Cleveland Selfreliance FCU
    Similarity Rank: 33
    The North Side Bank & Trust Company
    Similarity Rank: 55
    JEEP COUNTRY
    Similarity Rank: 78
    First Federal Savings and Loan Association of Delta
    Similarity Rank: 126
    CINFED Federal Credit Union
    Similarity Rank: 162
    KH NETWORK CREDIT UNION
    Similarity Rank: 304
    Community Star Credit Union
    Similarity Rank: 360
    First Security Mortgage Corporation
    Similarity Rank: 378

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,024 $226,640,000 $221,328 $2,725 4.20%
    FHA 44 $7,210,000 $163,864 $5,464 3.67%
    VA 17 $3,975,000 $233,824 $4,938 3.69%
    USDA 15 $2,185,000 $145,667 $3,816 3.64%
    HELOC 1 $105,000 $105,000 n/a 4.75%

    For 2019, Civista Bank's most frequently originated type of loan was Conventional, with 1,024 originations. Their 2nd most popular type was FHA, with 44 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 743 $156,425,000 $210,532 $3,035 4.16%
    Cash Out Refi 162 $31,520,000 $194,568 $2,744 4.22%
    Refi 155 $46,825,000 $302,097 $2,812 3.87%
    Home Improvement 27 $4,775,000 $176,852 $2,214 4.64%
    Other 14 $570,000 $40,714 $375 6.23%

    For 2019, Civista Bank's most frequently cited loan purpose was Home Purchase, with 743 originations. The 2nd most popular reason was Cash Out Refi, with 162 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 852 $163,750,000 $192,195 $2,991 4.15%
    15 Year 144 $27,740,000 $192,639 $2,815 3.69%
    10 Year 56 $28,210,000 $503,750 $860 5.21%
    20 Year 21 $3,365,000 $160,238 $2,638 4.47%
    Other 15 $2,765,000 $184,333 $3,135 4.46%
    5 Year 9 $13,155,000 $1,461,667 $0 5.06%
    1 Year 2 $220,000 $110,000 $0 7.25%
    30+ year 1 $235,000 $235,000 $0 4.13%
    3 Year 1 $675,000 $675,000 $0 4.83%

    For 2019, Civista Bank's most frequently cited loan duration was 30 Year, with 852 originations. The 2nd most popular length was 15 Year, with 144 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 910 $166,420,000 $182,879
    $1k-2k 109 $21,535,000 $197,569
    $2k-3k 14 $4,690,000 $335,000
    $3k-4k 2 $680,000 $340,000
    $4k-5k 2 $470,000 $235,000
    $5k+ 2 $570,000 $285,000

    Civista Bank's average total fees were $2,991, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 910 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 527 $107,835,000 $204,620
    4-5% 483 $99,635,000 $206,284
    5-6% 66 $29,440,000 $446,061
    6-7% 15 $675,000 $45,000
    2.5-3% 9 $2,405,000 $267,222
    7-8% 1 $125,000 $125,000

    During 2019, Civista Bank's average interest rate for loans was 4.15%, while their most frequently originated rate bucket for loans was 3-4%, with 527 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 425 $60,885,000 $143,259 $2,815 4.14%
    $100,000 or less 291 $18,855,000 $64,794 $2,335 4.37%
    $200k-400k 289 $80,045,000 $276,972 $3,495 4.02%
    $400k-600k 67 $31,945,000 $476,791 $3,751 4.01%
    $600k-1MM 19 $14,075,000 $740,789 $3,672 4.39%
    $1MM+ 10 $34,310,000 $3,431,000 $3,202 4.35%

    2019 saw Civista Bank place emphasis on $100k-200k loans with 425 originations, totaling $60,885,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 277 $27,455,000 $99,116 $2,497 4.19%
    $50k-75k 217 $30,435,000 $140,253 $2,909 4.12%
    $100k-150k 192 $44,550,000 $232,031 $3,149 4.10%
    $75k-100k 149 $23,465,000 $157,483 $2,853 4.13%
    $150k-250k 122 $36,440,000 $298,689 $3,309 4.09%
    $250k+ 70 $29,680,000 $424,000 $3,438 4.10%

    Civista Bank lent most frequently to those with incomes in the $50k or less range, with 277 originations. The second most popular income band? $50k-75k, with 217 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 230 $43,910,000 $190,913 $2,839 4.13%
    30-36% 214 $35,130,000 $164,159 $2,759 4.09%
    <20% 96 $16,280,000 $169,583 $2,672 3.94%
    42% 45 $8,495,000 $188,778 $2,959 4.29%
    41% 43 $8,445,000 $196,395 $2,722 4.27%
    39% 43 $10,145,000 $235,930 $2,870 4.22%
    46% 41 $9,375,000 $228,659 $3,481 4.07%
    37% 39 $9,145,000 $234,487 $2,925 4.10%
    44% 38 $6,570,000 $172,895 $2,920 4.10%
    45% 36 $7,430,000 $206,389 $3,083 4.24%
    43% 35 $6,855,000 $195,857 $3,078 4.23%
    38% 34 $6,570,000 $193,235 $2,946 3.94%
    36% 34 $5,860,000 $172,353 $3,118 4.08%
    47% 27 $4,405,000 $163,148 $3,075 4.25%
    40% 27 $5,315,000 $196,852 $3,164 4.00%
    49% 26 $5,300,000 $203,846 $2,956 4.26%
    48% 22 $3,560,000 $161,818 $2,677 4.20%
    50-60% 6 $1,070,000 $178,333 $5,406 3.85%
    >60% 1 $25,000 $25,000 $2,412 4.13%

    Civista Bank lent most frequently to those with DTI ratios of 20-30%, with 230 originations. The next most common DTI ratio? 30-36%, with 214 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 900 $175,970,000 $195,522 $2,965 4.10%
    Not applicable 50 $39,550,000 $791,000 $0 4.95%
    Not provided 107 $14,635,000 $136,776 $2,321 4.46%
    Asian 19 $6,505,000 $342,368 $3,056 3.93%
    Black 23 $3,065,000 $133,261 $3,145 4.15%
    American Indian 2 $390,000 $195,000 $2,883 4.19%

    Approval Rates

    Total approvals of all applications
    90.33%

    Civista Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.10%

    Civista Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,101 $240,115,000 $218,088

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 26 $39,340,000 $1,513,077
    Single Family (1-4 Units):Manufactured 15 $1,565,000 $104,333
    Single Family (1-4 Units):Site-Built 1,060 $199,210,000 $187,934

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 44 $6,940,000 $157,727 $2,095 4.47%
    40-60% 87 $19,175,000 $220,402 $2,690 3.84%
    60-80% 420 $107,140,000 $255,095 $2,880 4.23%
    80-100% 531 $105,185,000 $198,089 $3,047 4.12%
    Over 100% 4 $900,000 $225,000 $4,885 4.09%
    Under 20% 14 $500,000 $35,714 $820 5.48%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Civista Bank 510 South Buckeye Osgood, IN 47037 Full Service B&M $31,197
    Civista Bank 100 East Water Street Sandusky, OH 44870 Full Service B&M $310,357
    Civista Bank 101 South Miami Street Quincy, OH 43343 Full Service B&M $5,536
    Civista Bank 102 South Kibler Street New Washington, OH 44854 Full Service B&M $39,653
    Civista Bank 106 Mill Street Milan, IN 47031 Full Service B&M $30,930
    Civista Bank 111 East Us 50 Versailles, IN 47042 Full Service B&M $19,824
    Civista Bank 119 Blossom Centre Blvd. Willard, OH 44890 Full Service B&M $6,753
    Civista Bank 13 Main Street Greenwich, OH 44837 Full Service B&M $20,349
    Civista Bank 156 Mansfield Avenue Shelby, OH 44875 Full Service B&M $77,818
    Civista Bank 185 S. E. Catawba Road Port Clinton, OH 43452 Full Service B&M $7,842
    Civista Bank 19710 State Line Road Lawrenceburg, IN 47025 Full Service B&M $37,930
    Civista Bank 200 North Gamble Street Shelby, OH 44875 Full Service B&M $9,639
    Civista Bank 205 South Detroit Street West Liberty, OH 43357 Full Service B&M $24,138
    Civista Bank 207 Milan Avenue Norwalk, OH 44857 Full Service B&M $38,523
    Civista Bank 208 South Washington Street Castalia, OH 44824 Full Service B&M $48,367
    Civista Bank 2100 East Perkins Avenue Sandusky, OH 44870 Full Service B&M $59,764
    Civista Bank 215 Eads Parkway Lawrenceburg, IN 47025 Full Service B&M $169,812
    Civista Bank 23 West Main Street Shiloh, OH 44878 Full Service B&M $7,972
    Civista Bank 24 Main Street Berlin Heights, OH 44814 Full Service B&M $28,740
    Civista Bank 29 West Whipp Road Dayton, OH 45459 Full Service B&M $41,802
    Civista Bank 320 South Jefferson Avenue Plain City, OH 43064 Full Service B&M $12,662
    Civista Bank 330 South Orchard Island Road Russells Point, OH 43348 Full Service B&M $22,799
    Civista Bank 36 East Seminary Street Norwalk, OH 44857 Full Service B&M $88,234
    Civista Bank 410 Cleveland Road East Huron, OH 44839 Full Service B&M $35,680
    Civista Bank 49 Sandusky Street Plymouth, OH 44865 Full Service B&M $10,151
    Civista Bank 500 Green Blvd Aurora, IN 47001 Full Service B&M $53,956
    Civista Bank 504 North Main Street Urbana, OH 43078 Limited, Drive-thru $0
    Civista Bank 529 North Cleveland Massillon Road Akron, OH 44333 Full Service B&M $65,329
    Civista Bank 601 Scioto Street Urbana, OH 43078 Full Service B&M $0
    Civista Bank 601 Scioto Street Urbana, OH 43078 Full Service B&M $94,337
    Civista Bank 6400 Perimeter Drive Dublin, OH 43017 Full Service B&M $46,918
    Civista Bank 702 West Perkins Avenue Sandusky, OH 44870 Full Service B&M $58,596
    Civista Bank 7455 Old Troy Pike Huber Heights, OH 45424 Full Service B&M $17,888
    Civista Bank 7600 Frey Road West Harrison, IN 47060 Full Service B&M $46,897
    Civista Bank 92 Walnut Street Lawrenceburg, IN 47025 Full Service B&M $70,218
    Civista Bank 9700 Springboro Pike Miamisburg, OH 45342 Full Service B&M $15,761

    For 2019, Civista Bank had 36 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $97,970
    Net interest income $86,439
    Total noninterest income $22,473
    Gross Fiduciary activities income $3,076
    Service charges on deposit accounts $6,395
    Trading account gains and fees $516
    Additional Noninterest Income $12,486
    Pre-tax net operating income $40,734
    Securities gains (or losses, -) $32
    Income before extraordinary items $34,598
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $34,598
    Minority interest net income $0
    Net income $34,598
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $34,570

    Civista Bank's gross interest income from loans was $97,970,000.
    Civista Bank's net interest income from loans was $86,439,000.
    Civista Bank's fee based income from loans was $6,395,000.
    Civista Bank's net income from loans was $34,598,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,531
    Provision for credit losses $1,035
    Total noninterest expense $67,143
    Salaries and employee benefits $38,884
    Premises and equipment expense $6,083
    Additional noninterest expense $22,176
    Applicable income taxes $6,168
    Net charge-offs $-53
    Cash dividends $13,300

    Civista Bank's interest expense for loans was $11,531,000.
    Civista Bank's payroll and benefits expense were $38,884,000.
    Civista Bank's property, plant and equipment expenses $6,083,000.

    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 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    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 $1,702,923
    Deposits held in domestic offices $1,702,923
    Deposits by Individuals, partnerships, and corporations $1,489,721
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $213,202
    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 $201,155
    Demand deposits $201,155
    Nontransaction accounts $1,501,768
    Money market deposit accounts (MMDAs) $267,689
    Other savings deposits (excluding MMDAs) $958,239
    Total time deposits $275,840
    Total time and savings deposits $1,501,768
    Noninterest-bearing deposits $536,712
    Interest-bearing deposits $1,166,211
    Retail deposits $1,610,667
    IRAs and Keogh plan accounts $48,622
    Brokered deposits $30,904
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,304,000
    Cash & Balances due from depository institutions $44,327
    Interest-bearing balances $19,560
    Total securities $358,499
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,696,488
    Loan and leases loss allowance $14,767
    Trading account assets $8,918
    Bank premises and fixed assets $26,219
    Other real estate owned $0
    Goodwill and other intangibles $85,156
    All other assets $84,393

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,304,000
    Total Liabilities $1,972,786
    Total deposits $1,702,923
    Interest-bearing deposits $1,166,211
    Deposits held in domestic offices $1,702,923
    % insured (estimated) $80
    Federal funds purchased and repurchase agreements $18,674
    Trading liabilities $8,918
    Other borrowed funds $229,773
    Subordinated debt $0
    All other liabilities $12,498

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,696,488
    Loan and leases loss allowance $14,767
    Total loans and leases (domestic) $1,711,255
    All real estate loans $1,493,084
    Real estate loans in domestic offices $1,493,084
    Construction and development loans $155,825
    Residential 1-4 family construction $14,560
    Other construction, all land development and other land $141,265
    Loans secured by nonfarm nonresidential properties $741,989
    Nonfarm nonresidential secured by owner-occupied properties $245,606
    Commercial real estate & other non-farm, non-residential $496,383
    Multifamily residential real estate $95,839
    1-4 family residential loans $465,317
    Farmland loans $34,114
    Loans held in foreign offices $0
    Farm loans $13,366
    Commercial and industrial loans $188,246
    To non-U.S. addressees $0
    Loans to individuals $14,372
    Credit card loans $0
    Related Plans $2,969
    Consumer Auto Loans $4,280
    Other loans to individuals $7,123
    All other loans & leases $2,187
    Loans to foreign governments and official institutions $0
    Other loans $689
    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 $3,004
    Non 1-4 family restructured loans & leases $1,546
    Total loans and leases (foreign) $0

    Civista Bank had $1,696,488,000 of loans outstanding in 2019. $1,493,084,000 of loans were in real estate loans. $155,825,000 of loans were in development loans. $95,839,000 of loans were in multifamily mortgage loans. $465,317,000 of loans were in 1-4 family mortgage loans. $13,366,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,280,000 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 794 $191,434 $241,101
    Nonfarm, nonresidential loans - <$100k 131 $4,928 $37,618
    Nonfarm, nonresidential loans - $100-250k 259 $29,333 $113,255
    Nonfarm, nonresidential loans - $250k-1MM 404 $157,173 $389,042
    Commercial & Industrial, US addressed loans - <$1MM 709 $71,445 $100,769
    Commercial & Industrial, US addressed loans - <$100k 359 $8,433 $23,490
    Commercial & Industrial, US addressed loans - $100-250k 168 $15,525 $92,411
    Commercial & Industrial, US addressed loans - $250k-1MM 182 $47,487 $260,918
    Farmland loans - <$1MM 107 $12,844 $120,037
    Farmland loans - <$100k 27 $947 $35,074
    Farmland loans - $100-250k 48 $4,839 $100,813
    Farmland loans - $250k-1MM 32 $7,058 $220,563
    Agriculture operations loans - <$1MM 92 $4,712 $51,217
    Agriculture operations loans - <$100k 69 $1,587 $23,000
    Agriculture operations loans - $100-250k 14 $1,362 $97,286
    Agriculture operations loans - $250k-1MM 9 $1,763 $195,889