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Civista Bancshares
Civista Bancshares (CIVB) investor relations material
Civista Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Q4 2025 net income was $12.3M ($0.61/diluted share), up 24% year-over-year; full-year net income reached $46.2M ($2.64/diluted share), a 46% increase from 2024.
The Farmers Savings Bank (FSB) acquisition added $268.1M in assets, $106.2M in loans, and $236.1M in deposits; integration and system conversion are on track for early 2026.
Q4 results included $3.4M pre-tax ($2.9M after-tax) non-recurring expenses from the FSB acquisition.
Achieved key goals: tangible common equity ratio rose to 9.54% and CRE to risk-based capital ratio reduced to 275%.
Financial highlights
Net interest income for Q4 2025 was $36.5M, up 16.3% year-over-year; full-year net interest income increased 18.7% to $138.6M.
Net interest margin improved to 3.69% in Q4 2025 from 3.36% a year ago; full-year margin was 3.61%.
Non-interest income for Q4 2025 was $9.9M, up 9.6% year-over-year; full-year non-interest income declined 10% to $34.0M due to lower lease revenue.
Efficiency ratio improved to 57.7% in Q4 2025 from 68.3% a year ago; full-year efficiency ratio was 62.0%.
Effective tax rate was 16.8% for Q4 and 16.3% for the year.
Outlook and guidance
Expect mid-single-digit organic loan growth in 2026, led by commercial and C&I segments.
Margin expected to expand 2-3 bps in Q1 2026, with further 3-4 bps in Q2, assuming rate cuts.
Non-interest income guidance for Q1 2026 is $7.8M–$8.2M, increasing by ~$0.5M in Q2.
Anticipate maintaining loan-to-deposit ratio in the 90–95% range.
Tax rate expected at 16.5% for 2026.
Update on the $8M nonaccrual credit
2026 loan growth mix: commercial vs. residential
Digital deposit platform impact on funding costs
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Next Civista Bancshares earnings date
Q1 202623 Apr, 2026
Civista Bancshares
Next Civista Bancshares earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Civista Bancshares Inc is a financial holding company that operates through its subsidiary bank to provide community banking services. The company offers a variety of financial products, including commercial and consumer loans, deposit accounts, mortgage services, and treasury management. It serves individuals, small businesses, and commercial clients across its regional footprint. In addition to traditional banking services, Civista Bancshares also provides trust and investment advisory services. The company is headquartered in Sandusky, Ohio, and its shares are listed on the NASDAQ.
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