Civista Bancshares (NASDAQ: CIVB) shares preliminary 2025 earnings details

Rhea-AI Filing Summary

Civista Bancshares, Inc. filed a current report to share that it has announced preliminary, unaudited earnings for the three- and twelve-month periods ended December 31, 2025. The details of these financial results are provided in a press release attached as an exhibit to the report.

The company furnished this earnings information under a provision that keeps it from being treated as formally filed financial statements, limiting certain legal liabilities and controlling how it may be incorporated into future securities filings.

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 28, 2026

Civista Bancshares, Inc.

(Exact name of Registrant as Specified in Its Charter)

Ohio			001-36192	34-1558688
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification No.)
100 East Water Street
Sandusky, Ohio				44870
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: (419) 625 - 4121

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common shares, no par value		CIVB		The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition.

On January 29, 2026, Civista Bancshares, Inc. announced preliminary unaudited earnings for the three and twelve-month periods ended December 31, 2025. A copy of the press release is furnished as Exhibit 99.1 to this report and incorporated herein by reference.

In accordance with General Instruction B.2 of Form 8-K, the information in this Current Report on Form 8-K, including Exhibit 99.1, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibit 99.1 Press release of Civista Bancshares, Inc. reporting financial results and earnings for the three and twelve-month periods ended December 31, 2025

Exhibit 104 Cover Page Interactive File-the cover page interactive data file does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			Civista Bancshares, Inc.
Date:	January 29, 2026	By:	/s/ Ian Whinnem
			Ian Whinnem, Senior Vice President & Chief Financial Officer

FAQ

What did Civista Bancshares (CIVB) disclose in this 8-K filing?

Civista Bancshares disclosed that it announced preliminary unaudited earnings for the three- and twelve-month periods ended December 31, 2025, with detailed results contained in an accompanying press release furnished as an exhibit.

Which periods do Civista Bancshares’ preliminary 2025 earnings cover?

The preliminary unaudited earnings cover both the three-month and twelve-month periods ended December 31, 2025. This means the disclosure relates to the fourth quarter and full-year 2025 operating and financial performance.

How did Civista Bancshares (CIVB) provide its earnings information?

Civista Bancshares provided its earnings information through a press release furnished as Exhibit 99.1 to the current report. The 8-K states that this exhibit contains the detailed financial results and earnings discussion for the covered periods.

Is the Civista Bancshares earnings press release considered filed financial information?

No. The report states the earnings information, including Exhibit 99.1, is furnished rather than filed under the Exchange Act. This limits how the information is treated for certain liability provisions and future incorporation into registration statements.

Who signed the Civista Bancshares 8-K reporting preliminary earnings?

The current report was signed on behalf of Civista Bancshares, Inc. by Ian Whinnem, who is identified as the Senior Vice President and Chief Financial Officer. His signature confirms the company’s authorization of the disclosure.

What exhibits are included with Civista Bancshares’ 8-K on preliminary earnings?

The 8-K lists Exhibit 99.1, a press release reporting financial results and earnings for the three- and twelve-month periods ended December 31, 2025, and Exhibit 104, which refers to the cover page interactive data file embedded within the Inline XBRL document.