Civista Bank Mortgage Rates, Fees & Info
Sandusky, OHLEI: 549300H8JJI69WD7I525
Tax ID: 34-4204840
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Mortgage Data
Bank Data
Review & 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 by origination volume include: Cincinnati, Canton, Columbus, Sandusky, and Cleveland among others. We have data for 74 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/21/24 |
| 30 Year Conventional Purchase | 6.33% | 4/21/24 |
| 30 Year Conventional Refi | 6.23% | 4/21/24 |
| 30 Year Cash-out Refi | 6.44% | 4/21/24 |
| 30 Year FHA Purchase | 6.91% | 4/21/24 |
| 30 Year FHA Refi | 7.00% | 4/21/24 |
| 30 Year VA Purchase | 5.99% | 4/21/24 |
| 30 Year VA Refi | 6.27% | 4/21/24 |
| 30 Year USDA Purchase | 6.70% | 4/21/24 |
| 30 Year USDA Refi | 6.27% | 4/21/24 |
| 15 Year Conventional Purchase | 5.95% | 4/21/24 |
| 15 Year Conventional Refi | 6.00% | 4/21/24 |
| 15 Year Cash-out Refi | 6.00% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,935Origination Dollar Volume (All Markets)
$519,115,000Employee count
457Awards
Civista Bank - 2020
Civista Bank is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 465 | $101,905,000 | $219,151 | $2,393 | 3.14% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 16 | $97,730,000 | $6,108,125 | $3,010 | 3.42% |
| COLUMBUS, OH (FHA|USDA|VA) | 307 | $94,325,000 | $307,248 | $3,053 | 3.06% |
| Sandusky, OH (FHA|USDA|VA) | 359 | $58,995,000 | $164,331 | $3,215 | 3.10% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 194 | $44,030,000 | $226,959 | $3,283 | 3.28% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 78 | $21,360,000 | $273,846 | $3,074 | 3.08% |
| TOLEDO, OH (FHA|USDA|VA) | 52 | $17,030,000 | $327,500 | $3,026 | 3.07% |
| AKRON, OH (FHA|USDA|VA) | 69 | $16,375,000 | $237,319 | $3,219 | 3.35% |
| Norwalk, OH (FHA|USDA|VA) | 101 | $14,585,000 | $144,406 | $2,943 | 2.99% |
| Outside of Metro Areas | 87 | $12,565,000 | $144,425 | $2,226 | 3.03% |
| MANSFIELD, OH (FHA|USDA|VA) | 35 | $3,865,000 | $110,429 | $2,804 | 2.98% |
| Fremont, OH (FHA|USDA|VA) | 19 | $3,405,000 | $179,211 | $3,213 | 3.21% |
| Urbana, OH (FHA|USDA|VA) | 20 | $2,740,000 | $137,000 | $2,983 | 3.15% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 14 | $2,010,000 | $143,571 | $3,005 | 3.01% |
| Bellefontaine, OH (FHA|USDA|VA) | 10 | $1,570,000 | $157,000 | $3,132 | 3.11% |
| Ashland, OH (FHA|USDA|VA) | 6 | $1,500,000 | $250,000 | $2,918 | 3.06% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 8 | $1,360,000 | $170,000 | $2,244 | 3.03% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $4,894 | 2.88% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $3,415 | 3.30% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $3,673 | 2.63% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $3,534 | 3.08% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $3,922 | 2.58% |
| Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $5,619 | 2.88% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $3,066 | 2.58% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $2,812 | 3.44% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $3,550 | 2.31% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,778 | 3.06% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $2,644 | 2.88% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $2,641 | 3.50% |
| Zanesville, OH (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $2,878 | 3.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,202 | 2.75% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $3,330 | 3.13% |
| Greensburg, IN (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $2,094 | 2.81% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $2,803 | 2.92% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,387 | 2.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,731 | 2.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $3,553 | 2.88% |
| Findlay, OH (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,457 | 2.88% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,567 | 3.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,707 | 2.63% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,551 | 3.63% |
| Washington Court House, OH (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,006 | 3.06% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,614 | 2.88% |
| Ashtabula, OH (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,675 | 3.31% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,550 | 3.00% |
| Mount Vernon, OH (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,267 | 2.88% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,188 | 2.63% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,213 | 3.63% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,506 | 3.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,673 | 3.25% |
| Cambridge, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,816 | 2.56% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,913 | 2.63% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,621 | 2.25% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,952 | 2.25% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,496 | 3.25% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,743 | 3.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,032 | 2.50% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,158 | 2.50% |
| Tiffin, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 4.25% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,293 | 3.63% |
| Marion, OH (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,504 | 2.81% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,634 | 2.88% |
| Salem, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.92% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,536 | 2.88% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,176 | 3.25% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,768 | 3.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,166 | 3.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,608 | 3.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $1,812 | 3.63% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,386 | 3.13% |
| Marietta, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,385 | 2.75% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,243 | 2.88% |
| London, KY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,421 | 2.50% |
| North Vernon, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,939 | 2.75% |
Similar Lenders
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Product Mix
For 2020, Civista Bank's most frequently originated type of loan was Conventional, with 1,874 originations. Their 2nd most popular type was FHA, with 39 originations.
Loan Reason
For 2020, Civista Bank's most frequently cited loan purpose was Home Purchase, with 848 originations. The 2nd most popular reason was Refi, with 641 originations.
Loan Duration/Length
For 2020, Civista Bank's most frequently cited loan duration was 30 Year, with 1,328 originations. The 2nd most popular length was 15 Year, with 427 originations.
Origination Fees/Closing Costs
Civista Bank's average total fees were $2,985, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,592 originations.
Interest Rates
During 2020, Civista Bank's average interest rate for loans was 3.19%, while their most frequently originated rate bucket for loans was 3-4%, with 832 originations.
Loan Sizing
2020 saw Civista Bank place emphasis on $100k-200k loans with 786 originations, totaling $113,780,000 in origination value.
Applicant Income
Civista Bank lent most frequently to those with incomes in the $100k-150k range, with 372 originations. The second most popular income band? $50k-75k, with 364 originations.
Applicant Debt to Income Ratio
Civista Bank lent most frequently to those with DTI ratios of 20-30%, with 517 originations. The next most common DTI ratio? 30-36%, with 350 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.78%
Civista Bank has an average approval rate.
Pick Rate
Approvals leading to origination85.79%
Civista Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,935 | $519,115,000 | $268,276 |
Occupancy Type Mix
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Civista Bank | 101 South Miami Street Quincy, OH 43343 | Full Service B&M | $6,042 |
| Civista Bank | 601 Scioto Street Urbana, OH 43078 | Full Service B&M | $117,050 |
| Civista Bank | 100 East Water Street Sandusky, OH 44870 | Full Service B&M | $403,572 |
| Civista Bank | 102 South Kibler Street New Washington, OH 44854 | Full Service B&M | $49,690 |
| Civista Bank | 106 Mill Street Milan, IN 47031 | Full Service B&M | $37,986 |
| Civista Bank | 111 East Us 50 Versailles, IN 47042 | Full Service B&M | $21,206 |
| Civista Bank | 13 Main Street Greenwich, OH 44837 | Full Service B&M | $24,737 |
| Civista Bank | 15 E. Walton Street Willard, OH 44890 | Full Service B&M | $8,290 |
| Civista Bank | 156 Mansfield Avenue Shelby, OH 44875 | Full Service B&M | $82,562 |
| Civista Bank | 185 S. E. Catawba Road Port Clinton, OH 43452 | Full Service B&M | $10,177 |
| Civista Bank | 19710 State Line Road Lawrenceburg, IN 47025 | Full Service B&M | $48,390 |
| Civista Bank | 200 North Gamble Street Shelby, OH 44875 | Full Service B&M | $10,919 |
| Civista Bank | 205 South Detroit Street West Liberty, OH 43357 | Full Service B&M | $29,545 |
| Civista Bank | 207 Milan Avenue Norwalk, OH 44857 | Full Service B&M | $43,486 |
| Civista Bank | 208 South Washington Street Castalia, OH 44824 | Full Service B&M | $52,390 |
| Civista Bank | 2100 East Perkins Avenue Sandusky, OH 44870 | Full Service B&M | $70,197 |
| Civista Bank | 215 Eads Parkway Lawrenceburg, IN 47025 | Full Service B&M | $222,239 |
| Civista Bank | 23 West Main Street Shiloh, OH 44878 | Full Service B&M | $7,994 |
| Civista Bank | 24 Main Street Berlin Heights, OH 44814 | Full Service B&M | $37,898 |
| Civista Bank | 29 West Whipp Road Dayton, OH 45459 | Full Service B&M | $48,209 |
| Civista Bank | 320 South Jefferson Avenue Plain City, OH 43064 | Full Service B&M | $16,753 |
| Civista Bank | 330 South Orchard Island Road Russells Point, OH 43348 | Full Service B&M | $24,579 |
| Civista Bank | 36 East Seminary Street Norwalk, OH 44857 | Full Service B&M | $107,384 |
| Civista Bank | 3723 Park East Drive Beachwood, OH 44122 | Full Service B&M | $24,278 |
| Civista Bank | 410 Cleveland Road East Huron, OH 44839 | Full Service B&M | $46,966 |
| Civista Bank | 49 Sandusky Street Plymouth, OH 44865 | Full Service B&M | $11,400 |
| Civista Bank | 500 Green Blvd Aurora, IN 47001 | Full Service B&M | $60,779 |
| Civista Bank | 510 South Buckeye Osgood, IN 47037 | Full Service B&M | $33,775 |
| Civista Bank | 529 North Cleveland Massillon Road Akron, OH 44333 | Full Service B&M | $79,684 |
| Civista Bank | 6400 Perimeter Drive Dublin, OH 43017 | Full Service B&M | $82,811 |
| Civista Bank | 702 West Perkins Avenue Sandusky, OH 44870 | Full Service B&M | $67,329 |
| Civista Bank | 7455 Old Troy Pike Huber Heights, OH 45424 | Full Service B&M | $18,840 |
| Civista Bank | 7600 Frey Road West Harrison, IN 47060 | Full Service B&M | $52,196 |
| Civista Bank | 92 Walnut Street Lawrenceburg, IN 47025 | Full Service B&M | $93,044 |
| Civista Bank | 9700 Springboro Pike Miamisburg, OH 45342 | Full Service B&M | $34,468 |
For 2020, Civista Bank had 35 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $99,759 |
| Net interest income | $90,566 |
| Total noninterest income | $28,312 |
| Gross Fiduciary activities income | $3,233 |
| Service charges on deposit accounts | $5,288 |
| Trading account gains and fees | $1,523 |
| Additional Noninterest Income | $18,268 |
| Pre-tax net operating income | $37,964 |
| Securities gains (or losses, -) | $94 |
| Income before extraordinary items | $32,653 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $32,653 |
| Minority interest net income | $0 |
| Net income | $32,653 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $32,572 |
Civista Bank's gross interest income from loans was $99,759,000.
Civista Bank's net interest income from loans was $90,566,000.
Civista Bank's fee based income from loans was $5,288,000.
Civista Bank's net income from loans was $32,653,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $9,193 |
| Provision for credit losses | $10,112 |
| Total noninterest expense | $70,802 |
| Salaries and employee benefits | $42,209 |
| Premises and equipment expense | $6,085 |
| Additional noninterest expense | $22,508 |
| Applicable income taxes | $5,405 |
| Net charge-offs | $-149 |
| Cash dividends | $15,300 |
Civista Bank's interest expense for loans was $9,193,000.
Civista Bank's payroll and benefits expense were $42,209,000.
Civista Bank's property, plant and equipment expenses $6,085,000.
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 | 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 | $2,208,653 |
| Deposits held in domestic offices | $2,208,653 |
| Deposits by Individuals, partnerships, and corporations | $1,931,130 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $277,523 |
| 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 | $261,223 |
| Demand deposits | $261,223 |
| Nontransaction accounts | $1,947,430 |
| Money market deposit accounts (MMDAs) | $393,566 |
| Other savings deposits (excluding MMDAs) | $1,267,025 |
| Total time deposits | $286,839 |
| Total time and savings deposits | $1,947,430 |
| Noninterest-bearing deposits | $740,064 |
| Interest-bearing deposits | $1,468,589 |
| Retail deposits | $2,073,640 |
| IRAs and Keogh plan accounts | $46,396 |
| Brokered deposits | $60,736 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $2,756,415 |
| Cash & Balances due from depository institutions | $134,025 |
| Interest-bearing balances | $105,635 |
| Total securities | $363,464 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $2,039,475 |
| Loan and leases loss allowance | $25,028 |
| Trading account assets | $21,700 |
| Bank premises and fixed assets | $25,334 |
| Other real estate owned | $31 |
| Goodwill and other intangibles | $84,926 |
| All other assets | $87,460 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $2,756,415 |
| Total Liabilities | $2,400,120 |
| Total deposits | $2,208,653 |
| Interest-bearing deposits | $1,468,589 |
| Deposits held in domestic offices | $2,208,653 |
| % insured (estimated) | $75 |
| Federal funds purchased and repurchase agreements | $28,914 |
| Trading liabilities | $21,764 |
| Other borrowed funds | $125,000 |
| Subordinated debt | $0 |
| All other liabilities | $15,789 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $2,039,475 |
| Loan and leases loss allowance | $25,028 |
| Total loans and leases (domestic) | $2,064,503 |
| All real estate loans | $1,641,785 |
| Real estate loans in domestic offices | $1,641,785 |
| Construction and development loans | $175,609 |
| Residential 1-4 family construction | $20,821 |
| Other construction, all land development and other land | $154,788 |
| Loans secured by nonfarm nonresidential properties | $850,853 |
| Nonfarm nonresidential secured by owner-occupied properties | $278,413 |
| Commercial real estate & other non-farm, non-residential | $572,440 |
| Multifamily residential real estate | $132,632 |
| 1-4 family residential loans | $449,589 |
| Farmland loans | $33,102 |
| Loans held in foreign offices | $0 |
| Farm loans | $13,093 |
| Commercial and industrial loans | $395,430 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $12,331 |
| Credit card loans | $0 |
| Related Plans | $2,975 |
| Consumer Auto Loans | $3,489 |
| Other loans to individuals | $5,867 |
| All other loans & leases | $1,864 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $511 |
| 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 | $1,897 |
| Non 1-4 family restructured loans & leases | $948 |
| Total loans and leases (foreign) | $0 |
Civista Bank had $2,039,475,000 of loans outstanding in 2020. $1,641,785,000 of loans were in real estate loans. $175,609,000 of loans were in development loans. $132,632,000 of loans were in multifamily mortgage loans. $449,589,000 of loans were in 1-4 family mortgage loans. $13,093,000 of loans were in farm loans. $0 of loans were in credit card loans. $3,489,000 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 | 793 | $193,764 | $244,343 |
| Nonfarm, nonresidential loans - <$100k | 120 | $4,788 | $39,900 |
| Nonfarm, nonresidential loans - $100-250k | 264 | $30,362 | $115,008 |
| Nonfarm, nonresidential loans - $250k-1MM | 409 | $158,614 | $387,809 |
| Commercial & Industrial, US addressed loans - <$1MM | 2,458 | $214,865 | $87,415 |
| Commercial & Industrial, US addressed loans - <$100k | 1,679 | $46,600 | $27,755 |
| Commercial & Industrial, US addressed loans - $100-250k | 457 | $58,125 | $127,188 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 322 | $110,140 | $342,050 |
| Farmland loans - <$1MM | 92 | $11,277 | $122,576 |
| Farmland loans - <$100k | 23 | $848 | $36,870 |
| Farmland loans - $100-250k | 40 | $3,923 | $98,075 |
| Farmland loans - $250k-1MM | 29 | $6,506 | $224,345 |
| Agriculture operations loans - <$1MM | 86 | $3,699 | $43,012 |
| Agriculture operations loans - <$100k | 61 | $1,389 | $22,770 |
| Agriculture operations loans - $100-250k | 17 | $1,155 | $67,941 |
| Agriculture operations loans - $250k-1MM | 8 | $1,155 | $144,375 |