28.77
+1.45%
Close of 9 Nov 2026, in USD
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About Civista Bancshares
From its filings with the US Securities and Exchange Commission
Civista Bancshares is based in Sandusky, Ohio and is incorporated in Ohio. Its shares trade on Nasdaq under the ticker CIVB. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported revenue of $19.0m and net income of $46.2m. At that date it held total assets of $4.34bn and shareholders' equity of $543.5m.
CIVISTA BANCSHARES, INC. (“CBI” or the "Company") was organized under the laws of the State of Ohio on February 19, 1987 and is a registered financial holding company under the Gramm-Leach-Bliley Act of 1999, as amended (the “GLBA”). CBI’s office is located at 100 East Water Street, Sandusky, Ohio. CBI and its subsidiaries are sometimes referred to together as the “Company”. The Company had total consolidated assets of $4,336,453 at December 31, 2025.
CIVISTA BANK (“Civista”), owned by the Company since 1987, opened for business in 1884 as The Citizens National Bank. In 1898, Civista was reorganized under Ohio banking law and was known as The Citizens Bank and Trust Company. In 1908, Civista surrendered its trust charter and began operation as The Citizens Banking Company. The name Civista Bank was introduced during the first quarter of 2015 to distinguish ourselves from the many other banks using the “Citizens” name in our existing and prospective markets. Civista maintains its main office at 100 East Water Street, Sandusky, Ohio and operates branch banking offices in the following Ohio communities: Sandusky, Spencer, Wellington, Norwalk, Berlin Heights, Huron, Port Clinton, Castalia, New Washington, Shelby, Willard, Greenwich, Plymouth, Shiloh, Akron, Dublin, Plain City, Russells Point, Urbana, West Liberty, Quincy, Dayton, Beachwood, Gahanna, Napoleon, Malinta, Liberty Center, Holgate, Bowling Green, and in the following Indiana communities: Lawrenceburg, Aurora, West Harrison, Milan, Osgood and Versailles.
Quoted from its 10-K, filed 6 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 27 Oct 1993
- Employees
- 526
- Website
- fcza.com ↗
- Head office
- 100 EAST WATER ST, SANDUSKY, OH, 44870
- Incorporated in
- OH
- Classification
- State Commercial Banks
- Filer status
- Accelerated filer
Leadership
Pay as last reported
- Mr. Dennis ShafferChairman of the Board, President, Chief Executive Officer, since 2012$2.3m
- Mr. Ian WhinnemChief Financial Officer, Senior Vice President, Principal Accounting Officer$222,980
- Mr. Robert KatitusExecutive Vice President, Chief Lending Officer
- Mr. Charles ParcherExecutive Vice President$911,128
- Mr. Lance MorrisonSenior Vice President, General Counsel, Secretary$528,447
- Mr. Robert CurrySenior Vice President
- Mr. Richard DuttonSenior Vice President$1.1m
- Mr. Russel EdwardsSenior Vice President
- Mr. Carl KesslerSenior Vice President
- Mr. Michael MulfordSenior Vice President
- Ms. Donna Waltz-JaskolskiSenior Vice President
- Ms. Darci CongroveIndependent Director$44,857
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 29
- Environment
- 3
- Social
- 24
- Governance
- 60
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Established Brand: Civista Bancshares Inc has built a strong brand presence in the banking industry, which enhances its credibility and customer trust.
- Diverse Product Portfolio: The company offers a wide range of banking products and services, catering to the needs of both individual and commercial customers.
- Strong Financial Performance: Civista Bancshares Inc has consistently delivered positive financial results, displaying its ability to generate sustainable profits and maintain stability.
Weaknesses
- Limited Geographic Presence: Although Civista Bancshares Inc operates in multiple states, its footprint is concentrated in specific regions, limiting its market reach and potential growth opportunities.
- Reliance on Traditional Banking: The company's reliance on traditional banking methods may hinder its ability to adapt to rapidly evolving technological advancements in the industry.
- Customer Perception: Some customers perceive Civista Bancshares Inc as being less innovative compared to larger, national competitors, which may affect its ability to attract tech-savvy customers.
Opportunities
- Expansion into New Markets: Civista Bancshares Inc can explore opportunities to expand its geographic presence by entering new markets or acquiring smaller regional banks.
- Embracing Digital Transformation: By investing in technology and enhancing its digital banking capabilities, the company can better compete with fintech startups and meet the evolving preferences of customers.
- Collaborations and Partnerships: Building strategic alliances with fintech firms or innovative startups can provide Civista Bancshares Inc with access to cutting-edge solutions and drive competitive advantage.
Threats
- Intense Market Competition: The banking industry is highly competitive, with both traditional banks and fintech disruptors vying for market share, posing a threat to Civista Bancshares Inc's growth and profitability.
- Changing Regulatory Landscape: Evolving regulations and compliance requirements may increase costs and hinder the company's ability to maintain profitability.
- Economic Volatility: Economic downturns or fluctuations can impact the financial industry, leading to reduced demand for banking services and potential credit quality deterioration.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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