BlastPoint's Banking Scorecard

Civista Bank

$1B-$10B Specialty: Commercial OH FDIC cert 12982

Sandusky, OH

42 branches across OH · IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
Deposits +8.8% year over year ($3.5B on the books).
Delinquency rate 0.93%.
Return on assets 1.45%.
Efficiency ratio 58.42% vs a 59.73% peer average.
Loan-to-deposit ratio 92.42% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 28 in OH

View $1B-$10B leaderboard (OH) →

Civista Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.05% above tier average
+ Net Interest Margin 0.14% above tier average
+ Efficiency Ratio 1.30% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 14.7% in tier
- Credit Risk Growth: Bottom 17.2% in tier
- Liquidity Overhang: Bottom 44.2% in tier

Get updates when Civista Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$4.3B +2.6% YoY -0.1% QoQ	+$1.5B	$2.8B -0.6% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	82%
Total Loans ?	$3.2B +3.2% YoY +0.8% QoQ	+$1.3B	$2.0B -0.3% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	84%
Total Deposits ?	$3.5B +8.8% YoY -1.0% QoQ	+$1.2B	$2.3B -0.5% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	82%
Return on Assets ?	1.45% +24.7% YoY -1.2% QoQ	+0.05%	1.39% +17.0% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	66%
Net Interest Margin ?	4.02% +8.7% YoY +1.2% QoQ	+0.14%	3.87% +6.2% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	69%
Efficiency Ratio ?	58.42% -7.0% YoY -2.6% QoQ	-1.30%	59.73% -12.6% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	53%
Delinquency Rate ?	0.93% +26.4% YoY +0.3% QoQ	+0.06%	0.87% +11.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	30%
Loan-to-Deposit Ratio ?	92.42% -5.1% YoY +1.8% QoQ	+7.38%	85.04% -0.1% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	34%
Non-Interest-Bearing Deposit Share ?	20.74% +1.3% YoY +1.0% QoQ	-0.53%	21.27% -1.5% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	55%
Nonperforming Asset Ratio ?	0.70% +26.0% YoY +1.2% QoQ	+0.02%	0.67% +11.7% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	33%
Tier 1 Capital Ratio ?	16.39% +33.8% YoY -0.6% QoQ	+1.55%	14.84% -0.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.41% +11.8% YoY +98.8% QoQ	-0.12%	0.53% +2.5% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	71%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Noninterest-Bearing	20.7% +0.3pp YoY +0.2pp QoQ	-0.6pp	21.4%	18.8%	22.2%	55%
Brokered Deposits	10.0% -4.1pp YoY -0.7pp QoQ	+0.6pp	9.5%	7.7%	8.5%	69%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	9.6% -1.1pp YoY +0.1pp QoQ	-4.4pp	14.0%	10.2%	12.5%	42%
CRE	58.5% -3.0pp YoY -0.3pp QoQ	+8.5pp	50.0%	34.2%	41.4%	72%
1-4 Family	30.0% +3.5pp YoY +0.3pp QoQ	+3.6pp	26.4%	50.0%	31.3%	66%
Consumer	1.0% +0.6pp YoY 0.0pp QoQ	-3.7pp	4.7%	4.7%	5.0%	46%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	16.4% +4.1pp YoY -0.1pp QoQ	+0.8pp	15.6%	22.1%	19.7%	80%
Leverage Ratio	12.7% +3.1pp YoY +0.1pp QoQ	+1.4pp	11.3%	12.9%	12.6%	82%
Total Capital Ratio	17.6% +4.1pp YoY -0.1pp QoQ	+0.9pp	16.7%	23.2%	20.8%	80%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	560 +28 (+5.3%) YoY +13 (+2.4%) QoQ	+246	313	2,433	482	86%
Assets per Employee ($)	$7.7M -2.5% YoY -2.4% QoQ	-$2.8M	$10.5M	$7.6M	$8.8M	34%
Branch Count	42 +2 (+5.0%) YoY 0 QoQ	+22	20	81	18	91%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.2%	0.4%	19%
Nonaccrual	0.9% +0.2pp YoY 0.0pp QoQ	+0.1pp	0.8%	0.6%	1.0%	72%
Allowance Coverage	1.39x -21.0% YoY +1.7% QoQ	-17.32x	18.71x	18.95x	20.23x	35%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	53%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	9.9% -0.4pp YoY -0.2pp QoQ	-2.7pp	12.6%	9.7%	11.6%	32%
Cost of Funds (YTD)	1.7% -0.4pp YoY 0.0pp QoQ	-0.2pp	1.9%	1.7%	1.7%	38%
Net Income ($, YTD)	$31.1M +29.7% YoY — QoQ	+$11.9M	$19.2M	$259.3M	$40.4M	83%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk

#54 of 361 • Bottom 14.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.42%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#70 of 402 • Bottom 17.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

Liquidity Overhang

risk

#77 of 172 • Bottom 44.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.39%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 92.42%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

145

Total Loans

size

Value: $3.22B

Peer Median: $1.96B

#145 of 885 Top 16.3% in $1B-$10B

154

Tier 1 Capital Ratio

capital

Value: 16.39%

Peer Median: 14.84%

#154 of 885 Top 17.3% in $1B-$10B

160

Total Assets

size

Value: $4.29B

Peer Median: $2.79B

#160 of 885 Top 18.0% in $1B-$10B

162

Total Deposits

size

Value: $3.49B

Peer Median: $2.32B

#162 of 885 Top 18.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available