Civista Bank

Civista Bank

Overview / Commentary
100 East Water Street
Sandusky, OH 44870

Civista Bank is headquartered in SANDUSKY and is the 13th largest bank in the state of Ohio. It is also the 335th largest bank in the nation. It was established in 1884 and as of March of 2024, it had grown to 539 employees at 41 locations. Civista Bank has a B+ health rating.

Reviews (2)

It Is Fraud Not A Bank

My advise to stay away from this bank, it is a fraud, some one stole 50K from my account over 3 months ago and bank did not do anything. Bank was notified on the transaction immediately while the transaction was pending they could not stop the fraudulent transaction, even FBI said CIVISTA bank got money but they won’t release and they denied to credit my account. This is worst experience I have during my 25 years of banking relation with different banks I had.
My advise for those who see this review there are lots of other choices you have but stay away from this bank, unless you want to still try it and end up writing a review like I’m doing now. Good Luck!


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 - YTD0.76%
Return on Equity - YTD6.5%
Annual Interest Income$50.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$3.87B$3.58B
LoansQ1 2024vs Q1 2023$2.86B$2.55B
DepositsQ1 2024vs Q1 2023$2.99B$2.87B
Equity CapitalQ1 2024vs Q1 2023$446.5MM$420.6MM
Loan Loss AllowanceQ1 2024vs Q1 2023$38.8MM$34.2MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$16MM$7MM
Real Estate OwnedQ1 2024vs Q1 2023$0$26K

Sorry, we do not have rate data for Civista Bank.



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