• Civista Bancshares annual report for fiscal 2025 highlighted stronger profitability from wider lending spreads, tighter expense control, and improved funding mix.
• Deposit growth reduced reliance on higher-cost brokered deposits and wholesale borrowings, supporting balance-sheet repositioning.
• Loan growth was led by residential real estate while credit quality remained stable, with reserve levels broadly unchanged year over year.
• Company completed USD 80 million common stock offering in July to support organic growth, strengthen capital, and lower commercial real estate concentration.
• Civista closed acquisition of Farmers Savings Bank in November, adding two Ohio branches; system conversion completed in February 2026.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Civista Bancshares Inc. published the original content used to generate this news brief on April 08, 2026, and is solely responsible for the information contained therein.