Civista Bancshares, Inc. (CIVB)

Civista Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	200.4	195.47	183.58	160.76	108.05	92.88
Interest Income on Investments	25.52	25.52	23.12	21.98	18.1	12.17
Total Interest Income	225.92	220.99	206.7	182.73	126.16	105.05
Interest Paid on Deposits	55.42	64.19	65.8	33.76	3.84	4.18
Interest Paid on Borrowings	18.21	18.21	24.18	23.48	12.11	5.45
Total Interest Expense	73.62	82.4	89.99	57.24	15.95	9.63
Net Interest Income	152.3	138.58	116.71	125.5	110.2	95.43
Net Interest Income Growth	14.09%	18.74%	-7.00%	13.88%	15.49%	6.35%
Trust Income	5.82	5.54	5.52	4.77	4.9	4.86
Gain (Loss) on Sale of Investments	-1.18	0.27	0.29	-0.02	0.13	1.97
Other Non-Interest Income	28.06	23.67	27.51	29.51	20.65	16.58
Total Non-Interest Income	37.97	33.97	37.75	37.16	29.08	31.45
Non-Interest Income Growth	14.74%	-10.02%	1.57%	27.81%	-7.55%	11.60%
Revenues Before Loan Losses	190.27	172.55	154.46	162.66	139.28	126.88
Provision for Loan Losses	3.02	3.38	5.36	4.44	1.75	0.83
Revenue	187.25	169.17	149.09	158.22	137.53	126.05
Revenue Growth	14.81%	13.47%	-5.77%	15.05%	9.11%	16.93%
Salaries and Employee Benefits	61.12	57.89	60.95	57.31	50.24	43.99
Occupancy Expenses	6.21	5.93	5.1	5.4	4.7	4.21
Federal Deposit Insurance	1.7	2.68	2.63	1.64	0.8	1.06
Amortization of Goodwill & Intangibles	2.64	1.56	1.48	1.58	1.3	0.89
Selling, General & Administrative	23.92	24.72	25.48	24.78	19.01	10.84
Other Non-Interest Expense	22.15	21.16	16.88	16.91	14.45	16.68
Total Non-Interest Expense	117.75	113.94	112.52	107.61	90.49	77.67
EBT Excluding Unusual Items	69.5	55.24	36.57	50.61	47.04	48.38
Pretax Income	69.74	55.24	36.57	50.61	47.04	48.38
Income Tax Expense	12.15	9.02	4.89	7.65	7.61	7.84
Net Income	57.59	46.21	31.68	42.96	39.43	40.55
Preferred Dividends & Other Adjustments	0.14	0.17	0.67	1.58	0.5	0.17
Net Income to Common	57.46	46.05	31.01	41.38	38.93	40.37
Net Income Growth	32.24%	48.48%	-25.06%	6.30%	-3.58%	25.80%
Basic Shares Outstanding	21	17	15	15	15	15
Diluted Shares Outstanding	21	17	15	15	15	15
Shares Change	26.61%	13.19%	1.56%	1.23%	-2.43%	-4.59%
EPS (Basic)	2.79	2.64	2.01	2.73	2.60	2.63
EPS (Diluted)	2.79	2.64	2.01	2.73	2.60	2.63
EPS Growth	4.88%	31.34%	-26.37%	5.00%	-1.14%	31.78%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	0.710	0.680	0.640	0.610	0.560	0.520
Dividend Growth	5.97%	6.25%	4.92%	8.93%	7.69%	18.18%
Effective Tax Rate	17.42%	16.34%	13.37%	15.11%	16.18%	16.19%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 23, 2026

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