Civista Bancshares Q3 2026 earnings rise to $16M
Q3 2026 net income was $16.0 million, and Civista paid a quarterly dividend of $0.18 per share in Q3.
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Rhea-AI Filing Summary
Civista Bancshares, Inc. said it will participate in the Hovde Group Financial Services Conference in Orlando, Florida, November 4–6, 2026, and will use its third-quarter 2026 investor presentation. The presentation describes a $4.3 billion financial holding company with 44 banking locations across Ohio, southeastern Indiana and northern Kentucky, plus a nationwide equipment-leasing business.
For Q3 2026, Civista reported net income of $16.0 million, compared with $12.8 million in Q3 2025; it stated net income grew 25.5% year over year. Net interest income was $39.4 million versus $34.5 million, and net interest margin was 3.93%, compared with 3.58%. The non-GAAP efficiency ratio was 55.3%, compared with 61.4%. Total assets were $4.30 billion versus $4.11 billion, and deposits were $3.48 billion versus $3.23 billion. Tangible book value per share was $19.87, up $0.88 year over year. Credit measures included nonperforming assets at 0.64% of assets and net charge-offs of 0.06% for the last twelve months. The quarterly dividend paid in Q3 2026 was $0.18 per share.
How this balance works
Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.
It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.
Rhea-AI Sentiment measures something else, the tone of the wording.
Positive
- Moderate pointQ3 2026 net income increased 25.5% year over year.
Negative
- None.
Filing Explained
The furnished presentation reports equity issued in the FSB merger and 2025 common-stock offering; it lists 20,712,013 shares for
8-K Event Classification
Key Figures
Key Terms
Net Interest Margin financial
Efficiency Ratio financial
Loan to Deposit Ratio financial
Non-performing Assets financial
FAQ
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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
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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 7.01 Regulation FD Disclosure.
Civista Bancshares, Inc. (NASDAQ: CIVB) is pleased to announce its participation at the Hovde Group Financial Services Conference November 4-6, 2026 in Orlando, Florida. Members of Civista’s executive leadership team will engage with institutional investors and industry peers to discuss current banking trends, strategic growth initiatives, and the company’s long-term outlook.
A copy of Civista’s Third Quarter 2026 Investor Presentation, which will be used in connection with this conference, is furnished as Exhibit 99.1 to this Current Report on Form 8-K.
The information in this Current Report on Form 8-K is being furnished under Item 7.01 and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liabilities of such section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933 or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.
Civista Bancshares, Inc., is a $4.3 billion financial holding company headquartered in Sandusky, Ohio. Its primary subsidiary, Civista Bank, was founded in 1884 and provides full-service banking, commercial lending, mortgage, and wealth management services. Today, Civista Bank operates 44 locations across Ohio, Southeastern Indiana and Northern Kentucky. Civista Bank also offers commercial equipment leasing services for businesses nationwide through its Civista Leasing and Finance Division. Civista Bancshares’ common shares are traded on the NASDAQ Capital Market under the symbol “CIVB”. Learn more at www.civb.com.
Item 9.01 Financial Statements and Exhibits.
(d) Exhibit 99.1 Investor Presentation of Civista Bancshares, Inc. for period ended September 30, 2026
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.
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Civista Bancshares, Inc. |
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October 30, 2026 |
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/s/ Ian Whinnem |
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Ian Whinnem |
Civista Bancshares, Inc. Investor Presentation Q3 2026 Chuck Parcher President Chief Executive Officer Richard Dutton Senior Vice President Chief Operating Officer Ian Whinnem Senior Vice President Chief Financial Officer
Forward-Looking Statements. This presentation may contain “forward-looking statements” within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements express management’s current expectations, estimates or projections of future events, results or long-term goals, and are generally identifiable by the use of words such as “believe,” “expect,” “anticipate,” “plan,” “intend,” “estimate,” “may,” “will,” “would,” “could,” “should” or other similar expressions. All statements in this material speak only as of the date they are made, and we undertake no obligation to update any statement except to the extent required by law. Forward-looking statements are not guarantees of performance and are inherently subject to known and unknown risks, uncertainties and assumptions that are difficult to predict and could cause actual results or performance to differ materially from those expressed in or implied by the forward-looking statements. Factors that could cause actual results or performance to differ from those discussed in the forward-looking statements include the risks identified from time to time in our public filings with the SEC, including those risks identified in “Item 1A. Risk Factors” of Part I of the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2025, as supplemented by any additional risks identified in the Company’s subsequent Form 10-Qs. These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. Use of Non-GAAP Financial Measures. This presentation contains certain financial information determined by methods other than in accordance with accounting principles generally accepted in the United States (“GAAP”). These non-GAAP financial measures include “Tangible Book Value per Share” , “Tangible Common Equity to Tangible Assets” and “Efficiency Ratio”. The Company believes that these non-GAAP financial measures provide both management and investors a more complete understanding of the Company’s profitability. These non-GAAP financial measures are supplemental and are not a substitute for any analysis based on GAAP Measures. Not all companies use the same calculation of these measures; therefore, this presentation may not be comparable to other similarly titled measures as presented by other companies. Reconciliations of these non-GAAP measures are provided in the Appendix section of this presentation. Sources of Information: Company Management and S&P Global Market Intelligence Disclaimer
Managed CRE Concentration 259% CRE to Risk-Based Capital Investment Highlights Business & Strategy Solid Credit Quality Independent Recognition Top Performing – American Banker, 2026 #35 – Forbes Best Banks, 2025 Best Places to Work – Crain’s Cleveland, 2026 Attractive Profitability All figures are as of 3Q 2026 unless otherwise stated
1. See Non-GAAP Reconciliation in appendix Defensive Funding Profile 1.82% Cost of Deposits Core deposits supported by public funds Disciplined Capital Deployment ~23% Dividend Payout TBV‑accretive M&A track record Compelling Valuation ~1.33x Price to TBV¹ Below regional peer averages 0.64% NPA % 0.06% Net Charge-off % (LTM) 1.29% Allowance to total loans 11.21% ROAE 1.48% ROAA +35bps YoY NIM1
Consistent Strategic Direction Relationship-based organic growth, deposit gathering, disciplined credit and efficiency Disciplined stewards of capital — a selective, returns-driven approach to M&A and to long-term value creation Leadership & Strategic Continuity Business & Strategy Chuck Parcher President & Chief Executive Officer CEO since August 28, 2026 19 Month planned transition 10 years Avg executive team tenure1 Internal Successor developed in-house Experienced Leadership President of Civista Bank since January 2025; previously Chief Lending Officer 38 years in banking, including commercial leadership roles at FirstMerit, Sky Bank and Huntington Planned Succession Dennis G. Shaffer continues as Chairman of the Board Board-led transition alongside the executive team 2016 Joined Civista January 2025 President, Civista Bank August 2026 President & CEO 1. Average tenure at Civista of the 11-member executive leadership team as of 3Q 2026. Experienced leadership and a proven team, with continued focus on disciplined growth and long-term value. “We start from a position of strength. My job is to build on it.”
Proven Community Bank Franchise Business & Strategy 142-Year History Established community banking franchise with generational and relationship driven customer base Offering full-service retail banking, commercial lending, mortgage & wealth services, and a national leasing services. Disciplined Fundamentals Strong earnings driven by low-cost core deposits and stable underwriting with solid credit performance Growth Long-term growth through organic expansion in core markets and a disciplined, opportunistic M&A strategy 4 Successful Acquisitions since 2018 All figures are as of 3Q 2026 unless otherwise stated
1. See Non-GAAP Reconciliation in appendix 8% CAGR Total Assets from 2020 to 3Q 2026 3.93% Net Interest Margin¹ 84 bps Nonperforming Loans as % of Total Loans 1.33x Price/ Tangible Book Value per Share¹ 9.88% Tangible Common Equity to Tangible Assets¹
Business & Strategy Geographical Footprint Community Banking across Ohio, Indiana, and Kentucky Presence in top 5 largest Ohio MSA’s (Columbus, Cleveland, Cincinnati, Dayton, Toledo) Combination of urban, suburban, and rural markets Headquartered in 1884 in Sandusky, Ohio, deposit market share leader in core markets Core MSAs drive the majority of recent loan and deposit growth Franchise Summary NATIONAL REACH Leasing platform extends beyond the Ohio footprint All figures are as of 09/30/2026 Branches 44 FTE 555 LPOs 2
About Our Footprint Business & Strategy Ohio at a Glance 11.9M Residents Top-10 U.S. state by population 60% of U.S. & Canadian population within a day’s drive of Ohio 27 Fortune 500 HQs 5th most nationally • $935B GDP #1 Top State for Business CNBC, 2026 (2025 Ranked #5) Why it Matters for Civista 5 Largest MSAs Presence across Ohio’s major metropolitan areas Strong Public / Private Investment Significant activity driving Ohio’s economic growth ~135 Banks HQ in Ohio Highly Fragmented landscape Civista: Top 10 Ohio-HQ Bank by Assets 105 banks under $1B in assets Behind CNBC’s #1 Top State Ranking #1 Infrastructure • #1 Cost of Doing Business (10% lower costs) Favorable for lenders Economy #9 • Access to Capital #9 • Cost of Living #9
Executing our Growth Strategy Business & Strategy Revenue & Relationship Growth Expands low‑cost funding, fees, and customer value Digital deposit account opening across channels Deposit redesign and debit card utilization Payments upgrades driving engagement and fees Financial Outcome: NIM1 +35 bps YoY to 3.93% (3Q25 to 3Q26) Efficiency & Operating Leverage Improves scalability and drives efficiency gains RPA and AI driving operating leverage Financial systems transformation for scalability Process standardization for sustained efficiency Financial Outcome: Efficiency ratio1 improved to 55.3% from 61.4% (3Q25 to 3Q26) Execution, Risk & Scalability Supports disciplined growth and integration Talent upskilling to drive growth and manage risk Platform scalability supporting integration Financial Outcome: ~$268M assets added from FSB acquisition, alongside core organic growth Grow Relationships & Deposits Position Digital to Grow the Bank Invest in Talent & Culture Leverage Technology to Optimize Profitability 1. See Non-GAAP Reconciliation in appendix
Diversified Business Segments Business & Strategy CIVISTA BANCSHARES Full-Service Banking Organization with Diversified Revenue Streams SPREAD-DRIVEN SPECIALTY & FEE-BASED 🏢 Commercial Banking Relationship lending & deposits Earns spread income from C&I, CRE, and business credit relationships 👥 Retail Banking Low-cost deposit gathering Earns spread income from consumer lending, deposits, and digital banking services 🔑 Private Banking Deposit gathering, Spread & Fee Income Earns spread and fee income from HNW lending and premier deposit services 💰 Treasury Management Deposit gathering & Fee Income Earns fee income from cash management, payments, and liquidity solutions 📈 Wealth Management Advisory & Trust Fees Earns advisory fees from investment management, trust, and financial planning 🏠 Mortgage Banking Gain on Sale & Servicing Earns origination fees and gain-on-sale from residential mortgage lending ⚙ Equipment Leasing Spread, Gain on Sale & Lease Income Earns spread and lease income from national equipment financing activities REVENUE MIX1 80% Net Interest Income 20% Fee Income 1. As of 3Q 2026
&P Capital IQ Pro Acquisition: Closed July 2022 $327M in Assets Acquisition: Closed Nov. 2025 $285M in Assets $1.5 $1.6 $1.6 $2.3 $2.3 $3.1 $3.2 $3.7 $3.9 $4.1 Terminated tax refund processing: January 2024 10 Acquisition: Closed Sept. 2018 $551M in Assets Consistent quarterly dividend payment and growth Organic Assets ($B) Acquired Assets ($B) Quarterly Dividend Business & Strategy Balance Sheet Strength Growth: Organic > Acquired Organic asset growth has driven balance sheet expansion with opportunistic acquisitions Organic +$1.7B; Acquired +$1.1B $4.2 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Risk & Capital Preserves capital flexibility and balance sheet strength Manageable credit risk / concentrations Financial Discipline Target assets of ~$300 million to ~$1.5 billion EPS accretive with disciplined TBV earn-back M&A Philosophy Business & Strategy Strategic Fit Ohio or contiguous states; core MSAs Funding-friendly balance sheet (low L/D, strong core deposits) Integration & Culture Operational compatibility and cultural alignment Clear cost savings and synergies Proven Track Record 2007 MVB 2007 FBC 2015 TCNB 2018 UCB 2022 CBC 2025 FSB 2022 VFG
All figures are end of period 3Q 2026 and 3Q 2025 respectively 1. See Non-GAAP Reconciliation in appendix 2026 Third Quarter Financials 3Q 2026 3Q 2025 Earnings Performance NIM1 3.93% 3.58% ROAA 1.48% 1.22% ROAE 11.21% 10.70% Net Income $16.0M $12.8M Balance Sheet Position Total Assets $4.30B $4.11B Gross Loans & Leases $3.29B $3.10B Total Deposits $3.48B $3.23B Allowance for Credit Losses 1.29% 1.30% Capital & Shareholder Returns Total Shareholders’ Equity $552.7M $499.0M Dividend Yield 2.73% 3.35% Dividend Payout Ratio 23.34% 25.00% Financial Performance Net Income grew 25.5% YoY Net Interest Margin1 expanded 35 bps YoY Tangible Book Value per share1 increased $0.88 YoY to $19.87 Q4 2025 Completed FSB acquisition $106M in loans and leases $236M in deposits
Total Loans and Leases Financial Performance Loan Mix CRE NOO Detail ($ in millions) All figures as of 9/30/2026 Total Loans $3.3B 5% of total NOO office is in Central Business District
Deposits Financial Performance Average Deposit Balances Cost of Funds Trend Deposit Mix1 Total $3.5B ($ in millions) ($ in millions) 1. End of period as of 9/30/2026 Loan to Deposit Ratio of 94.7% $528M Public Fund Deposits (no other concentrations) ➢ ➢ Fed Funds rate (upper bound) Cost of Funding Cost of Deposits
Earnings Analysis Financial Performance Efficiency Ratio1 & ROAA NII and NIM¹ ($ in millions and %) 1. See non-GAAP reconciliation in appendix NRA represents non-recurring adjustments 3Q 2026 3Q 2025 Net Income ($ in millions) Interest Income 57.8 55.2 Interest Expenses 18.4 20.7 Net Interest Income 39.4 34.5 Provision 1.3 0.2 Non-Interest Income 9.7 9.6 Non-Interest Expense 28.0 28.3 Earnings Before Tax 19.8 15.7 Net Income 16.0 12.8
Credit Quality Credit, Liquidity & Capital Credit Loss Reserves / Gross Loans Reserves / Non-performing Loans Non-performing Assets / Assets Net Charge-off Ratio1 All figures are End of Period Balances
1. 3Q 2026 represents an annualized percentage
Capital Management & Liquidity Credit, Liquidity & Capital Liquidity Tier 1 Leverage Ratio Total Risk Based Capital Ratio Tangible Common Equity Ratio1 Dividends All figures as of 3Q 2026
1. See non-GAAP reconciliation in appendix $75MM Capital Raise (July 2025) +331 bps since 2Q25 +435 bps since 2Q25 +318 bps since 2Q25 Dividend Payout Ratio is 23.3% $0.18 per share quarterly dividend paid in Q3 2026 ➢ ➢ 37% Available Unused Liquidity ($1.6B) as % of Total Assets 20% Total Cash and Securities as % Total Deposits
Outlook Valuation & Shareholder Returns Current Valuation Price / TBV1: 1.33x Peer Median P/TBV2: ~ 1.56x (Selected Midwest Banks) Dividend Yield: 2.73% Dividend Payout Ratio: 23.34% Value Creation Drivers TBV/Share1: $19.87 EPS: $0.77 3Q26 Margin Expansion: NIM1 +35 bps YoY ROAE: 11.21% (3Q 2026) Shareholder Return Bridge 10–12% Projected Total Shareholder Return Driven by TBV growth and stable dividends3 Investment Thesis CIVB offers a compelling mix of: ▸ Attractive income (2.73% yield) ▸ Organic + M&A growth trajectory ▸ Valuation upside vs. peers Backed by strong profitability and capital strength. 1. See Non-GAAP Reconciliation in appendix 2. See Peer Information in appendix 3. Estimated 7-9% of Tangible Book Value growth, +3% dividend yield
Profitability Outlook Bottom Line Record NII + disciplined growth = accelerating earnings power. Net Interest Income ($M) Net Income ($M) $75MM Capital Raise (July 2025) $39.4M Q3 NII +14.1% YoY $16.0M Q3 Net Inc +25.5% YoY $0.77 Q3 EPS +13.2% YoY What This Means for Investors Earnings Power NII at $39.4M, a new quarterly record Funding Advantage Low-cost deposits anchor margin and support durable earnings momentum Scale Benefits FSB adds $268M assets; cost of funds down 30 bps YoY Loan Growth Loans up $38.0M in Q3 (4.7% annualized); NPAs down to $27.6M Capital Flexibility Strong earnings enhance optionality across dividends, buybacks and M&A Capital Return Dividend raised Q1 2026 to $0.18; EPS supports buyback capacity Valuation Setup ROAA and EPS momentum position CIVB for multiple expansion vs peers Diluted EPS
Long-Term Value Outlook Bottom Line Cost discipline + margin expansion = full-strength profitability. Efficiency Ratio1 ROAA & ROAE See Non-GAAP Reconciliation in appendix Note: ROAE negatively impacted by equity issued in connection with the FSB merger and common stock offering completed during the second-half of 2025. $75MM Capital Raise (July 2025) 1.48% ROAA +26 bps YoY 55.3% Efficiency Ratio¹ −610 bps YoY What This Means for Investors Operating Leverage Cost of funds down 30 bps YoY; NIM expanding Structural Efficiency Cost discipline and scale benefits support sustained profitability Asset Returns ROAA of 1.0% or higher for 7th consecutive quarter Equity Returns / ROAE Inflection Both net income and average equity increased year‑over‑year, reflecting stronger earnings generation without balance‑sheet dilution. Sustainability long-term efficiency gain, not one-time items TBV Compounding Earnings retention fuels tangible book value growth while preserving flexibility 11.21% ROAE +51 bps YoY
Executive Team About us
Appendix
Reconciliation of Non-GAAP Financial Measures Appendix (Unaudited - dollars in thousands except share data) Q3 2026 Q3 2025 Tangible Common Equity Total Shareholder's Equity – GAAP 552,741 499,028 Less: Preferred Equity - - Less: Goodwill and intangible assets 141,270 132,276 Tangible common equity (non-GAAP) 411,471 366,752 Total Shares Outstanding 20,712,013 19,312,726 Tangible book value per share 19.87 18.99 Share Price 26.38 20.31 Price/ TBV per share 1.33x 1.07x Tangible Assets Total Assets – GAAP 4,304,926 4,113,334 Less: Preferred Equity - - Less: Goodwill and intangible assets 141,270 132,276 Tangible assets (non-GAAP) 4,163,656 3,981,058 Tangible Common Equity to tangible assets 9.88% 9.21%
Reconciliation of Non-GAAP Financial Measures Appendix (Unaudited - dollars in thousands except Efficiency Ratio) Q3 2026 Q2 2026 Q1 2026 Q4 2025 Q3 2025 Noninterest expense – GAAP 27,978 28,653 29,873 31,003 28,327 Less: Amortization of intangible assets expense 675 696 696 576 318 Less: Acquisition related expenses - - 427 3,424 664 Noninterest expense (non-GAAP) 27,303 27,957 28,750 27,003 27,345 Net interest income – GAAP 39,430 38,593 37,823 36,451 34,545 Plus: Taxable equivalent adjustment 599 606 612 620 618 Noninterest income – GAAP 9,651 9,007 9,431 9,884 9,633 Add: Net losses on debt securities (1,571) - - - - Less: Net gains (losses) on equity securities 99 140 33 120 255 Less: Net gain insurance proceeds 1,771 - - - - Net interest income (FTE) plus non-interest income (non-GAAP) 49,381 48,066 47,833 46,835 44,541 Efficiency Ratio (non-GAAP) 55.3% 58.2% 60.1% 57.7% 61.4%
Reconciliation of Non-GAAP Financial Measures Appendix (Unaudited - dollars in thousands except Net Interest Margin) Q3 2026 Q2 2026 Q1 2026 Q4 2025 Q3 2025 Net interest income – GAAP 39,430 38,593 37,823 36,451 34,545 Plus: Tax-equivalent adjustment 599 606 612 620 618 Net interest income (tax-equivalent) 40,029 39,199 38,435 37,071 35,163 Average earning assets – GAAP 3,993,704 3,992,950 4,003,144 3,939,580 3,829,484 Plus: Unrealized loss adjustment 52,295 46,706 41,288 46,944 62,947 Adjusted average earning assets (non-GAAP) 4,045,999 4,039,656 4,044,432 3,986,524 3,892,431 Net Interest Margin (non-GAAP) 3.93% 3.89% 3.85% 3.69% 3.58%
Selected Midwest Community Banks | Q3 2026 / Most Recent Quarter Data Source: S&P Global Market Intelligence, company filings. TCE Ratio is a non-GAAP measure. See Non-GAAP Reconciliation in appendix Peers Include: MSBI, LCNB, FFBC, QCRH, IBCP, MBWM, NIC, GABC Appendix Peer Group Comparison Assets ROAA ROAE NIM1 TCE Ratio P/ TBV Peer 1 $6.7B 1.36% 16.09% 4.06% 6.65% 1.50x Peer 2 $2.2B 1.30% 10.31% 3.95% 8.56% 1.45x Peer 3 $22.4B 1.37% 10.36% 3.97% 8.35% 1.86x Peer 4 $9.5B 1.52% 12.43% 3.60% 10.71% 1.60x Peer 5 $5.7B 1.15% 12.27% 3.84% 8.92% 1.45x Peer 6 $6.8B 1.38% 12.71% 3.74% 9.87% 1.52x Peer 7 $15.4B 1.67% 11.26% 4.22% 9.08% 2.61x Peer 8 $8.4B 1.83% 12.83% 4.45% 10.05% 2.25x Median $7.6B 1.37% 12.35% 3.96% 9.00% 1.56x Civista $4.3B 1.48% 11.21% 3.93% 9.88% 1.33x
Our Profitability and Capital Compare Favorably to Peers Peer Median = 1.37% Peer Median = 9.00% Our strong fundamentals position us well for sustained, long-term growth and continued value creation. Source: CIVB Investor Presentation Appendix (Selected Midwest Community Banks) Peers Include: MSBI, LCNB, FFBC, QCRH, IBCP, MBWM, NIC, GABC
Appendix 1. Deposit market share information as of June 30, 2025. Market Share in Our Footprint Region Locations Loans Deposits Sandusky/Norwalk/Port Clinton, Ohio #1 deposit market share in Sandusky, Ohio with ~67% 9 $691.4M $1.47B Northwest Ohio ~13% deposit market share 6 $283.3M $215.7M Cleveland/Akron, Ohio 3 $951.8M $215.4M North Central, Ohio 8 $144.7M $448.7M Columbus & West Central, Ohio 28% deposit market share in rural markets 6 $370.5M $334.2M Greater Dayton, Ohio 3 $149.9M $108.6M Southeastern Indiana/Cincinnati, Ohio 9 $596.6M $688.4M Civista Leasing & Finance $32.6M Financing Leases $66.8M Commercial Loans $9.7M Operating Leases
Civista Leasing and Equipment Financing Appendix Targeted Industries: Propane, Recycling/Waste Management, Environmental, Additive Manufacturing (3-D Printing), Construction, Non-destructive testing All figures as of 3Q 2026 2026 YTD Production YTD Funded: $66.4 million Sold: $29.8 million Net Production: $36.6 million Avg. Yield on Total Portfolio: 9.01% Avg. Yield on Q2 Originations: 9.20%
Awards & Recognition Three independent honors across performance, franchise ranking and workplace culture. American Banker Top-Performing Banks, 2026 (multi-year recognition) Ranks the best-performing publicly traded banks on three-year average return on average equity — a test of profitability through the cycle. Forbes America’s Best Banks, 2025 Ranks the 100 largest publicly traded U.S. banks and thrifts on growth, credit quality and profitability. Crain’s Cleveland Business Best Places to Work, 2026 (multi-year winner) Based on confidential employee surveys of engagement, culture and benefits. Independent validation of financial performance, franchise quality and workplace culture. Appendix #35 of the 100 largest U.S. banks