| Metric | Civista Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +5.5% | -2.8 pts |
| Deposit growth (YoY) | +8.8% | +5.1% | +3.7 pts |
| Loan growth (YoY) | +3.2% | +5.9% | -2.7 pts |
| ROA | 1.45% | 1.26% | +0.2 pts |
| ROE | 9.9% | 12.2% | -2.3 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.29B | $3.49B | $3.22B | $634.9M | $31.1M | 1.45% | 4.02% | 0.70% |
| Q1 2026 | $4.29B | $3.52B | $3.20B | $629.9M | $15.8M | 1.46% | 3.97% | 0.69% |
| Q4 2025 | $4.33B | $3.49B | $3.24B | $617.1M | $50.8M | 1.22% | 3.82% | 0.72% |
| Q3 2025 | $4.11B | $3.24B | $3.06B | $569.7M | $37.8M | 1.22% | 3.71% | 0.56% |
| Q2 2025 | $4.18B | $3.20B | $3.12B | $472.0M | $24.0M | 1.16% | 3.70% | 0.55% |
| Q1 2025 | $4.14B | $3.25B | $3.07B | $467.6M | $11.7M | 1.13% | 3.63% | 0.76% |
| Q4 2024 | $4.09B | $3.22B | $3.04B | $460.1M | $35.5M | 0.90% | 3.39% | 0.76% |
| Q3 2024 | $4.05B | $3.23B | $3.01B | $474.4M | $24.9M | 0.84% | 3.34% | 0.41% |
Loan mix (Q2 2026): real estate $2.88B · commercial $308.8M · consumer $31.7M · securities $667.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Civista Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.26% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 12.2% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.4% | 59.0% | 48th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Civista Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Civista Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Civista Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Civista Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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