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 385th largest bank in the nation. It was established in 1884 and as of June of 2021, it had grown to 452 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 - YTD1.38%
Return on Equity - YTD11.6%
Annual Interest Income$51.2MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$2.92B$2.81B
LoansQ2 2021vs Q2 2020$2.00B$2.02B
DepositsQ2 2021vs Q2 2020$2.42B$2.09B
Equity CapitalQ2 2021vs Q2 2020$351.0MM$332.8MM
Loan Loss AllowanceQ2 2021vs Q2 2020$26.2MM$20.4MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$4.2MM$5.1MM
Real Estate OwnedQ2 2021vs Q2 2020$0$0

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