Civista Bank: how it compares with its peers
Against 8 OH banks with half to twice its assets, Civista Bank's strongest measure in Q2 2026 is return on assets (1.45% vs. a 1.24% peer median). Its weakest relative measure is assets per employee ($7.7M vs. $10.1M).
| Measure | Civista Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.45% | 1.24% | Top third Ahead of 88% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.02% | 3.23% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.42% | 58.75% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $10.1M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.42% | 94.38% | Context |
What it means for lending operations
Its efficiency ratio of 58.42% is better than the 58.75% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- NATIONAL COOPERATIVE BANK, N.A. Hillsboro, OH · $4.33B
- Union Savings Bank Cincinnati, OH · $4.02B
- Erebor Bank, N.A. Columbus, OH · $4.66B
- The Farmers & Merchants State Bank Archbold, OH · $3.49B
- First Federal Savings and Loan Association of Lakewood Lakewood, OH · $2.94B
- LCNB National Bank Lebanon, OH · $2.22B
Questions about Civista Bank
How big is Civista Bank?
Civista Bank, established in 1884, is headquartered in Sandusky, OH. It reported $4.29B in total assets in its Q2 2026 FDIC call report and operates 42 offices.
What is Civista Bank's return on assets?
1.45% annualized in Q2 2026, against a 1.24% median for 8 OH banks with half to twice its assets, ahead of 88% of them.
What is Civista Bank's efficiency ratio?
58.42% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 58.75%, and lower is better.
Is Civista Bank growing its loans?
Net loans grew 3.2% over the year to Q2 2026, while deposits grew 8.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.