Civista Bank

Civista Bank

Overview / Commentary
100 East Water Street
Sandusky, OH 44870

Civista Bank is headquartered in Sandusky and is the 14th largest bank in the state of Ohio. It is also the 367th largest bank in the nation. It was established in 1884 and as of September of 2020, it had grown to 448 employees at 35 locations. Civista Bank has an A+ health rating.

Reviews (1)


This bank may look good on paper, but in reality, it does NOT care about customers! The policies are horrendous! They will nickel and dime you over everything and, worst of all, cut you off from your accounts which CANCELS BILL PAY!!! I cannot imagine running any business this way! DO NOT USE THIS BANK!! I have narrowly avoided catastrophic issues due to their hostile policies. Cold, arrogant, deceptive. RUN!!!


Health Grade Components

FDIC Certificate #12982
Year Established1884
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD9.19%
Annual Interest Income$74.1MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$2.81B$2.26B
LoansQ3 2020vs Q3 2019$2.03B$1.64B
DepositsQ3 2020vs Q3 2019$2.09B$1.65B
Equity CapitalQ3 2020vs Q3 2019$337.7MM$318.2MM
Loan Loss AllowanceQ3 2020vs Q3 2019$22.6MM$14.1MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$5.4MM$5.8MM
Real Estate OwnedQ3 2020vs Q3 2019$0$0

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