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 377th largest bank in the nation. It was established in 1884 and as of June of 2022, it had grown to 452 employees at 34 locations. Civista Bank has an A+ 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 - YTD1.21%
Return on Equity - YTD9.65%
Annual Interest Income$50.7MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$3.03B$2.92B
LoansQ2 2022vs Q2 2021$2.04B$2.00B
DepositsQ2 2022vs Q2 2021$2.49B$2.42B
Equity CapitalQ2 2022vs Q2 2021$361.2MM$351.0MM
Loan Loss AllowanceQ2 2022vs Q2 2021$27.4MM$26.2MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$3.5MM$4.2MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0

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