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Civista Bank


ACH Number: 41201635

Civista Bank is an FDIC insured institution headquartered at 100 E Water St, Sandusky, OH 44870.
It was founded in 1884 and has approximately $4 billion in assets. Customers can open an account at one of its 27 branches.

Deposit Rates - July 28, 2026

SAVINGS RATES APY MIN
Savings
0.05% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.20% $10,000 Compare
6 Mo CD
0.20% $100,000 Compare
Special: 9 Mo CD
0.80% $500 Compare
12 Mo CD
0.30% $10,000 Compare
12 Mo CD
0.30% $100,000 Compare
Special: 18 Mo CD
0.85% $500 Compare
18 Mo CD
0.85% $10,000 Compare
18 Mo CD
0.90% $100,000 Compare
24 Mo CD
0.45% $10,000 Compare
24 Mo CD
0.45% $100,000 Compare
30 Mo CD
0.50% $10,000 Compare
30 Mo CD
0.50% $100,000 Compare
36 Mo CD
0.55% $10,000 Compare
36 Mo CD
0.55% $100,000 Compare
48 Mo CD
0.75% $10,000 Compare
48 Mo CD
0.75% $100,000 Compare
60 Mo CD
0.85% $10,000 Compare
60 Mo CD
0.85% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.05% $10,000 Compare
Money Market
0.05% $25,000 Compare
FIXED IRA RATES APY MIN
Special: 9 Mo FIRA
0.80% $500
Special: 18 Mo FIRA
0.85% $500
INT CHECKING RATES APY MIN
Int Ckg
0.03% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12982
Date Established 1884
Assets $ 4.33 billion
Loans $ 3.24 billion
Deposits $ 3.49 billion
Capital $ 617.07 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 74.73 million
Interest-bearing balances $ 37.87 million
Total securities $ 680.42 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 3.24 billion
Loan loss allowance $ 42.02 million
Trading account assets $ 3.49 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 143.54 million
All other assets $ 110.95 million
     Total Assets $ 3.71 billion

LIABILITIES
Total deposits $ 3.49 billion
      Interest-bearing deposits $ 2.76 billion
      Deposits held in domestic offices $ 3.49 billion
      % insured (estimated)" 81.73%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 5.67 million
Other borrowed funds $ 75.00 million
Subordinated debt N.A.
All other liabilities $ 75.62 millionn
      Total Liabilities $ 3.71 billion
      Shareholders’ Equity $ 617.07 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 222.57 million
Total Interest Expense $ 77.77 million
Net interest income $ 144.80 million
Provision for loan and lease losses $ 3.38 million
Total non interest income $ 32.21 million
Total non interest expense $ 112.42 million
Pre-tax Net Operating Income $ 22.05 million

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