Every 10-Q that Civista Bancshares, Inc. (CIVB) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow CIVB and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CIVB filings page.
Civista Bancshares, Inc. reported higher profitability for the first half of 2026. Net income was $14,315 thousand for the quarter and $29,304 thousand for the first six months, compared with $11,015 thousand and $21,183 thousand a year earlier. Net interest income rose to $38,593 thousand for the quarter and $76,416 thousand year-to-date, and noninterest income increased to $9,007 thousand and $18,438 thousand.
Total assets were $4,294,298 thousand at June 30, 2026, with net loans of $3,213,191 thousand and deposits of $3,458,243 thousand. Shareholders’ equity improved to $566,785 thousand, alongside accumulated other comprehensive loss of $39,670 thousand driven by $46,569 thousand of gross unrealized losses on available-for-sale securities, which management attributes mainly to higher market interest rates.
The allowance for credit losses on loans was $41,713 thousand, after provisions of $1,251 thousand for the quarter and $483 thousand for the first half, reflecting CECL model updates including geopolitical uncertainties. Net cash provided by operating activities was $29,286 thousand, and the company continued integrating The Farmers Savings Bank acquisition completed in November 2025.
Civista Bancshares, Inc. reported net income of $14.989 million for the quarter ended March 31, 2026, up from $10.168 million a year earlier. Basic and diluted earnings per share were $0.72, compared with $0.66.
Net interest income rose to $37.823 million from $32.773 million, helped by higher loan and securities income and lower funding costs on Federal Home Loan Bank advances. The company recorded a $0.768 million release of credit loss reserves on loans versus a $1.248 million provision in 2025, as total loans decreased by $40.4 million.
Noninterest income increased to $9.431 million, led by stronger gains on loan sales and higher service and other fees, while noninterest expenses rose to $29.873 million, mainly from compensation and software costs. Comprehensive income was affected by a $2.889 million other comprehensive loss driven by unrealized declines on available-for-sale securities and swap valuations.
Total assets were $4.298 billion, with loans of $3.230 billion and deposits of $3.502 billion. Shareholders’ equity increased to $552.243 million, supported by retained earnings, despite a larger accumulated other comprehensive loss of $43.204 million.
Civista Bancshares (CIVB) reported stronger Q3 2025 results. Net income was $12.8 million, or $0.68 per diluted share, up from $8.4 million, or $0.53, a year ago. Net interest income rose to $34.5 million from $29.2 million as funding costs eased, while the provision for credit losses was $0.4 million versus $1.3 million. Noninterest income was $9.6 million and noninterest expense held near flat at $28.3 million.
Total assets were $4.11 billion and deposits were $3.23 billion at quarter‑end. Short‑term FHLB advances declined to $232.0 million from $339.0 million. Shareholders’ equity increased to $499.0 million, aided by a July common share offering that generated approximately $75.7 million in net proceeds, which were used to pay down short‑term FHLB advances; longer‑term uses include general corporate purposes.
The company entered into a merger agreement to acquire The Farmers Savings Bank for $34.925 million in cash and 1,434,491 common shares, implying an aggregate value of about $66.7 million based on an October 24, 2025 share price. Required regulatory approvals have been received; closing is expected in November 2025 pending Farmers’ shareholder approval and other customary conditions.
Civista Bancshares (CIVB) Q2-25 10-Q highlights:
- Net income jumped 56% YoY to $11.0 m; diluted EPS rose to $0.71 from $0.45.
- Net interest income increased 25% YoY to $34.8 m as loan growth (+2% YTD to $3.15 b) and slightly lower funding costs offset deposit pressure.
- Interest expense fell 6% YoY despite a shift toward higher-cost FHLB advances (short-term advances up 28% since year-end to $433.5 m).
- Credit quality steady: ACL/loans at 1.28% (1.29% YE-24); Q2 provision $1.17 m vs $1.80 m prior year; net charge-offs <0.1% of loans.
- Non-interest income contracted 37% to $6.6 m, mainly from lower lease revenue and equity gains; expense discipline (-3% YoY) partly offset the decline.
- Deposits slipped 0.5% YTD to $3.20 b; non-interest-bearing mix fell to 20% from 22%.
- Shareholders’ equity rose 4% to $404 m despite a wider AOCI loss (-$54 m) tied to securities valuation; tangible book ≈ $20.9/share.
- Liquidity/capital: CET1 not disclosed in excerpt, but equity/asset ratio improved to 9.7%; cash & equivalents $73.9 m (+17% YTD).
Overall, stronger margin, controlled credit costs and lower operating expenses drove record quarterly earnings, offset by softer fee income, continued unrealized losses on the AFS portfolio and rising wholesale funding reliance.