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 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 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, Columbus, Sandusky, Cleveland, and Akron among others. We have data for 66 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% 4/18/24
    30 Year Conventional Purchase 6.33% 4/18/24
    30 Year Conventional Refi 6.23% 4/18/24
    30 Year Cash-out Refi 6.44% 4/18/24
    30 Year FHA Purchase 6.91% 4/18/24
    30 Year FHA Refi 7.00% 4/18/24
    30 Year VA Purchase 5.99% 4/18/24
    30 Year VA Refi 6.27% 4/18/24
    30 Year USDA Purchase 6.70% 4/18/24
    30 Year USDA Refi 6.27% 4/18/24
    15 Year Conventional Purchase 5.95% 4/18/24
    15 Year Conventional Refi 6.00% 4/18/24
    15 Year Cash-out Refi 6.00% 4/18/24
    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

    2,446

    Origination Dollar Volume (All Markets)

    $451,970,000

    Employee count

    444 Show all (14) 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) 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, KY (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.

    Their top states include:
  • Ohio (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • West Virginia (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: 12
    Mechanics Bank
    Similarity Rank: 36
    First Federal Savings and Loan Association of Delta
    Similarity Rank: 150
    The North Side Bank & Trust Company
    Similarity Rank: 246
    CINFED Federal Credit Union
    Similarity Rank: 288
    The Henry County Bank
    Similarity Rank: 333
    Greenville Federal
    Similarity Rank: 396
    Day Air Credit Union, Inc
    Similarity Rank: 432
    Sharefax Credit Union
    Similarity Rank: 505
    EDUCATION FIRST CREDIT UNION, INC.
    Similarity Rank: 567

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,690 $358,050,000 $211,864 $2,901 3.03%
    HELOC 680 $78,930,000 $116,074 n/a 3.74%
    FHA 46 $8,810,000 $191,522 $6,250 2.75%
    FHA 14 $1,880,000 $134,286 $0 3.82%
    VA 10 $3,310,000 $331,000 $6,157 2.80%
    USDA 6 $990,000 $165,000 $4,823 2.43%

    For 2021, Civista Bank's most frequently originated type of loan was Conventional, with 1,690 originations. Their 2nd most popular type was HELOC, with 680 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Civista Bank's most frequently cited loan purpose was Home Purchase, with 960 originations. The 2nd most popular reason was 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 2021, Civista Bank's most frequently cited loan duration was 30 Year, with 1,284 originations. The 2nd most popular length was 15 Year, with 964 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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 7 $1,685,000 $240,714
    $4k-5k 4 $2,290,000 $572,500
    $5k+ 3 $1,185,000 $395,000

    Civista Bank's average total fees were $3,127, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.09%, while their most frequently originated rate bucket for loans was 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 or Islander 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
    91.17%

    Civista Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    82.95%

    Civista Bank has a below 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 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
    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 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

    For 2021, Civista Bank had 35 branches.

    Yearly Performance Overview

    Bank Income

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

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

    Bank Expenses

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

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

    Loan Performance

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

    Deposits

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

    Assets

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

    Liabilities

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

    Issued Loan Types

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

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

    Small Business Loans

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