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™
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    • 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 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.

    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

    1,935

    Origination Dollar Volume (All Markets)

    $519,115,000

    Employee count

    457 Show all (15) 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
    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%
    Civista Bank's top markets include Cincinnati, Canton, Columbus, Sandusky, and Cleveland among others.

    Their top states include:
  • Ohio (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Michigan (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: 39
    First Federal Savings and Loan Association of Delta
    Similarity Rank: 141
    Commodore Bank
    Similarity Rank: 153
    Day Air Credit Union, Inc
    Similarity Rank: 264
    JEEP COUNTRY
    Similarity Rank: 272
    The North Side Bank & Trust Company
    Similarity Rank: 350
    Ohio Catholic Federal Credit Union
    Similarity Rank: 392
    Greenville Federal
    Similarity Rank: 405
    Mechanics Bank
    Similarity Rank: 583
    First Federal Savings and Loan Association
    Similarity Rank: 620

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,874 $507,900,000 $271,025 $2,831 3.12%
    FHA 39 $6,685,000 $171,410 $6,035 3.06%
    USDA 13 $1,875,000 $144,231 $4,316 2.80%
    VA 9 $2,655,000 $295,000 $3,907 2.97%

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 848 $274,370,000 $323,550 $3,122 3.17%
    Refi 641 $139,655,000 $217,871 $2,693 2.95%
    Cash Out Refi 396 $94,380,000 $238,333 $2,917 3.22%
    Home Improvement 44 $10,210,000 $232,045 $2,718 3.22%
    Other 4 $170,000 $42,500 $350 5.50%
    NA 2 $330,000 $165,000 $3,716 2.56%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,328 $268,940,000 $202,515 $2,985 3.19%
    15 Year 427 $85,855,000 $201,066 $2,800 2.76%
    10 Year 74 $32,840,000 $443,784 $2,206 3.55%
    20 Year 70 $13,720,000 $196,000 $2,679 3.07%
    Other 21 $16,145,000 $768,810 $3,088 3.52%
    5 Year 7 $98,445,000 $14,063,571 $0 3.99%
    1 Year 3 $285,000 $95,000 $0 4.92%
    30+ year 3 $1,295,000 $431,667 $0 3.38%
    3 Year 2 $1,590,000 $795,000 $0 4.36%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,592 $317,140,000 $199,209
    $1k-2k 233 $47,495,000 $203,841
    $2k-3k 24 $6,560,000 $273,333
    $3k-4k 7 $2,555,000 $365,000
    $4k-5k 5 $1,495,000 $299,000
    $5k+ 3 $1,005,000 $335,000

    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

    Loan Rate Originations Total Value Average Loan
    3-4% 832 $188,520,000 $226,587
    2.5-3% 725 $160,765,000 $221,745
    <2.5% 259 $49,455,000 $190,946
    4-5% 108 $117,800,000 $1,090,741
    5-6% 4 $170,000 $42,500
    6-7% 1 $105,000 $105,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 786 $113,780,000 $144,758 $2,758 3.08%
    $200k-400k 586 $161,210,000 $275,102 $3,172 3.07%
    $100,000 or less 372 $26,180,000 $70,376 $2,537 3.21%
    $400k-600k 149 $70,145,000 $470,772 $3,758 3.06%
    $600k-1MM 27 $20,435,000 $756,852 $3,742 3.63%
    $1MM+ 15 $127,365,000 $8,491,000 $5,107 3.80%

    2020 saw Civista Bank place emphasis on $100k-200k loans with 786 originations, totaling $113,780,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 372 $82,910,000 $222,876 $2,997 3.03%
    $50k-75k 364 $53,700,000 $147,527 $2,846 3.11%
    $50k or less 334 $37,770,000 $113,084 $2,672 3.10%
    $150k-250k 281 $75,065,000 $267,135 $3,029 3.02%
    $75k-100k 277 $48,945,000 $176,697 $2,871 3.10%
    $250k+ 217 $74,895,000 $345,138 $3,283 3.13%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 517 $106,975,000 $206,915 $2,820 3.05%
    30-36% 350 $69,550,000 $198,714 $2,915 3.11%
    <20% 289 $60,175,000 $208,218 $2,778 2.94%
    44% 64 $12,480,000 $195,000 $2,947 3.14%
    39% 63 $11,905,000 $188,968 $2,992 3.12%
    37% 63 $12,635,000 $200,556 $2,828 3.03%
    42% 58 $11,130,000 $191,897 $3,357 3.03%
    38% 53 $10,625,000 $200,472 $3,093 3.11%
    43% 52 $9,830,000 $189,038 $2,938 3.11%
    36% 52 $10,500,000 $201,923 $2,957 3.18%
    40% 50 $9,600,000 $192,000 $2,955 3.11%
    41% 47 $8,625,000 $183,511 $2,700 3.19%
    45% 46 $9,430,000 $205,000 $2,937 3.25%
    49% 46 $9,720,000 $211,304 $3,399 3.17%
    46% 43 $9,945,000 $231,279 $3,165 3.08%
    48% 37 $5,785,000 $156,351 $3,135 3.25%
    47% 29 $6,005,000 $207,069 $2,861 3.21%
    50-60% 5 $1,335,000 $267,000 $6,503 3.35%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,688 $336,440,000 $199,313 $2,898 3.08%
    Not applicable 60 $141,260,000 $2,354,333 $0 4.08%
    Not provided 116 $25,200,000 $217,241 $3,037 3.14%
    Asian 30 $8,240,000 $274,667 $3,192 3.11%
    Black 38 $7,070,000 $186,053 $3,114 3.25%
    Native Hawaiian or Islander 1 $455,000 $455,000 $4,118 2.63%
    American Indian 2 $450,000 $225,000 $2,957 3.88%

    Approval Rates

    Total approvals of all applications
    91.78%

    Civista Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.79%

    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

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 35 $136,145,000 $3,889,857
    Single Family (1-4 Units):Manufactured 18 $1,780,000 $98,889
    Single Family (1-4 Units):Site-Built 1,882 $381,190,000 $202,545

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 95 $15,665,000 $164,895 $2,542 2.90%
    40-60% 275 $62,235,000 $226,309 $2,815 2.88%
    60-80% 893 $202,605,000 $226,881 $2,835 3.16%
    80-100% 658 $145,200,000 $220,669 $3,148 3.16%
    Over 100% 2 $92,410,000 $46,205,000 $0 4.25%
    Under 20% 12 $1,000,000 $83,333 $1,721 3.91%

    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