BlastPoint's Banking Scorecard
Civista Bank
Sandusky, OH
42 branches across OH · IN
Civista Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.10% above tier average
- + Net Interest Margin 0.15% above tier average
- + Efficiency Ratio 1.09% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 13.2% in tier
- - Liquidity Overhang: Bottom 43.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.3B
+3.6% YoY
-0.8% QoQ
|
+$1.5B |
$2.8B
-0.1% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
82% |
| Total Loans ? |
$3.2B
+4.2% YoY
-1.2% QoQ
|
+$1.2B |
$2.0B
+0.6% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
83% |
| Total Deposits ? |
$3.5B
+8.3% YoY
+0.9% QoQ
|
+$1.2B |
$2.3B
-0.3% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
82% |
| Return on Assets ? |
1.46%
+29.2% YoY
+20.1% QoQ
|
+0.10% |
1.37%
+19.6% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
3.97%
+9.2% YoY
+3.8% QoQ
|
+0.15% |
3.82%
+6.9% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
59.98%
-4.5% YoY
-4.2% QoQ
|
-1.09% |
61.06%
-4.6% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
50% |
| Delinquency Rate ? |
0.93%
-8.6% YoY
-4.2% QoQ
|
+0.04% |
0.89%
+14.1% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
90.76%
-3.8% YoY
-2.1% QoQ
|
+6.56% |
84.20%
+0.3% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
20.54%
+1.1% YoY
-1.2% QoQ
|
-0.75% |
21.29%
-2.5% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.69%
-8.8% YoY
-4.5% QoQ
|
+0.02% |
0.67%
+15.6% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
16.49%
+36.2% YoY
+4.8% QoQ
|
+1.33% |
15.16%
+2.0% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.20%
+6.0% YoY
-72.5% QoQ
|
-0.05% |
0.26%
+1.6% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
73% |
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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 (0)
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.