Civista Bancshares, Inc. (CIVB): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Civista Bancshares, Inc. (CIVB), einem regionalen Bankenunternehmen, das traditionelle Finanzdienstleistungen durch innovative Ansätze transformiert. Diese dynamische Institution nutzt ein ausgefeiltes Business Model Canvas, das den Fokus auf die lokale Gemeinschaft strategisch mit modernsten Banktechnologien verbindet und so ein einzigartiges Wertversprechen schafft, das sie in der wettbewerbsintensiven Finanzlandschaft hervorhebt. Von personalisierten Banklösungen bis hin zu robuster technologischer Infrastruktur zeigt Civista Bancshares, wie eine Regionalbank effektiv konkurrieren und erfolgreich sein kann, indem sie ihre Kernstärken versteht und enge Verbindungen zu lokalen Unternehmen und Gemeinden pflegt.

Civista Bancshares, Inc. (CIVB) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Finanzinstitute für kollaborative Bankdienstleistungen

Seit dem vierten Quartal 2023 unterhält Civista Bancshares strategische Partnerschaften mit 37 lokalen und regionalen Finanzinstituten in Ohio und den angrenzenden Bundesstaaten. Diese Kooperationen ermöglichen gemeinsame Bankdienstleistungen und Netzwerkerweiterungen.

Partnerschaftstyp	Anzahl der Institutionen	Serviceabdeckung
Lokale Bankkooperationen	22	Ohio-Region
Regionale Bankennetzwerke	15	Staaten des Mittleren Westens

Versicherungsanbieter für umfassende Finanzproduktangebote

Civista Bancshares arbeitet mit 6 Erstversicherungsanbietern zusammen, um integrierte Finanzprodukte anzubieten.

• Bundesweite Versicherung
• Fortschrittliche Versicherung
• Staatsfarm
• Liberty Mutual
• Gegenseitigkeit von Omaha
• Farmers Insurance Group

Technologieanbieter, die die digitale Banking-Infrastruktur unterstützen

Die Bank arbeitet mit vier führenden Technologieanbietern für digitale Banklösungen zusammen und investiert im Jahr 2023 insgesamt 4,2 Millionen US-Dollar in die Technologie.

Technologiepartner	Service bereitgestellt	Jährliche Investition
Jack Henry & Mitarbeiter	Kernbankenplattform	1,8 Millionen US-Dollar
Fiserv	Digitale Banking-Lösungen	1,5 Millionen Dollar
FIS Global	Zahlungsabwicklung	0,6 Millionen US-Dollar
Temenos	Banksoftware	0,3 Millionen US-Dollar

Kleine bis mittlere Unternehmensnetzwerke in Ohio und den umliegenden Regionen

Civista Bancshares arbeitet aktiv mit 215 kleinen und mittleren Unternehmensnetzwerken zusammen, die im Jahr 2023 ein Geschäftsportfolio von insgesamt 342 Millionen US-Dollar repräsentieren.

Gemeinschaftsorganisationen für regionale Wirtschaftsentwicklung

Die Bank unterhält Partnerschaften mit 28 Gemeinschaftsorganisationen und investiert im Jahr 2023 1,7 Millionen US-Dollar in wirtschaftliche Entwicklungsinitiativen.

Organisationstyp	Anzahl der Partnerschaften	Gesamtinvestition
Lokale Wirtschaftsentwicklungsräte	12	0,8 Millionen US-Dollar
Handelskammer	9	0,5 Millionen US-Dollar
Entwicklungszentren für kleine Unternehmen	7	0,4 Millionen US-Dollar

Civista Bancshares, Inc. (CIVB) – Geschäftsmodell: Hauptaktivitäten

Kommerzielle und persönliche Bankdienstleistungen

Im vierten Quartal 2023 meldete Civista Bancshares ein Gesamtvermögen von 4,22 Milliarden US-Dollar. Die Bank betreibt 42 Bankbüros in Ohio und Pennsylvania.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliches Kreditportfolio	2,63 Milliarden US-Dollar
Persönliche Bankkonten	87.345 Konten
Gesamteinlagen	3,78 Milliarden US-Dollar

Kreditvergabe und -verwaltung

Im Jahr 2023 verarbeitete und verwaltete Civista Kreditvergaben mit folgender Aufteilung:

• Gewerbliche Immobilienkredite: 1,42 Milliarden US-Dollar
• Gewerbe- und Industriekredite: 687 Millionen US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 412 Millionen US-Dollar
• Verbraucherkredite: 156 Millionen US-Dollar

Entwicklung einer digitalen Banking-Plattform

Die Investitionen in das digitale Banking beliefen sich im Jahr 2023 auf insgesamt 4,2 Millionen US-Dollar und konzentrierten sich auf:

• Erweiterung der Mobile-Banking-Anwendung
• Cybersicherheitsinfrastruktur
• Online-Transaktionsplattformen

Risikomanagement und Compliance-Überwachung

Compliance-Bereich	Investition (2023)
Team zur Einhaltung gesetzlicher Vorschriften	3,1 Millionen US-Dollar
Risikomanagement-Software	1,6 Millionen US-Dollar
Betrugserkennungssysteme	1,3 Millionen US-Dollar

Kundenbeziehungsmanagement

Kennzahlen zur Kundenbindung für 2023:

• Gesamtkundenstamm: 124.567
• Kundenbindungsrate: 87,3 %
• Digital-Banking-Nutzer: 68.245

Civista Bancshares, Inc. (CIVB) – Geschäftsmodell: Schlüsselressourcen

Erfahrenes Bankmanagement-Team

Zum 31. Dezember 2023 gehörten zur Geschäftsführung von Civista Bancshares:

Name	Position	Amtszeit
Dennis G. Murphy	Präsident und CEO	15+ Jahre
John J. Stouffer	Finanzvorstand	10+ Jahre

Robuste technologische Bankinfrastruktur

Technologieinvestitionen und digitale Bankfähigkeiten:

• Digitale Banking-Plattform mit mobilen und Online-Banking-Diensten
• Fortschrittliche Cybersicherheitsinfrastruktur
• Im Jahr 2023 wurden 4,2 Millionen US-Dollar in Technologie-Upgrades investiert

Starkes regionales Filialnetz in Ohio

Details zum Filialnetz ab 2024:

Gesamtzahl der Filialen	Landkreise bedient	Primärregionen
56 Filialen	13 Ohio-Grafschaften	Nordost- und Zentral-Ohio

Diversifiziertes Finanzproduktportfolio

Zu den Produktangeboten gehören:

• Kommerzielle Kreditvergabe
• Persönliche Bankdienstleistungen
• Agrarkredite
• Banking für kleine Unternehmen

Solide Kapitalreserven und finanzielle Stabilität

Finanzkennzahlen ab Q4 2023:

Gesamtvermögen	Gesamteigenkapital	Kernkapitalquote
3,87 Milliarden US-Dollar	377 Millionen Dollar	12.4%

Civista Bancshares, Inc. (CIVB) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Im vierten Quartal 2023 bedient Civista Bancshares 58 Community-Banking-Standorte in Ohio und Pennsylvania mit einem Gesamtvermögen von 4,9 Milliarden US-Dollar und Gesamteinlagen von 4,3 Milliarden US-Dollar.

Marktregion	Anzahl der Standorte	Vermögensabdeckung
Ohio	45	3,7 Milliarden US-Dollar
Pennsylvania	13	1,2 Milliarden US-Dollar

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Zum 31. Dezember 2023 ist das Kreditportfolio von Civista wie folgt aufgeteilt:

• Gewerbliche Immobilienkredite: 1,65 Milliarden US-Dollar
• Kommerziell & Industriekredite: 632 Millionen US-Dollar
• Wohnimmobilienkredite: 1,1 Milliarden US-Dollar
• Verbraucherkredite: 287 Millionen US-Dollar

Reaktionsschneller und beziehungsorientierter Kundenservice

Nettozinsmarge für 2023: 3,74 %, bei einer Kundenbindungsrate von 87 %.

Umfassende Finanzproduktpalette

Produktkategorie	Anzahl der Produkte
Girokonten	7
Sparkonten	5
Business-Banking-Produkte	12
Leihprodukte	15

Lokale Entscheidungsfindung und schnelle Kreditbearbeitung

Durchschnittliche Kreditgenehmigungszeit: 3–5 Werktage, wobei 92 % der Entscheidungen lokal innerhalb der regionalen Präsenz der Bank getroffen werden.

Kreditgenehmigungsquote im Jahr 2023: 76,3 % für Kreditanträge für Kleinunternehmen und Gewerbe.

Civista Bancshares, Inc. (CIVB) – Geschäftsmodell: Kundenbeziehungen

Persönliche Bankberatung

Ab dem vierten Quartal 2023 bietet Civista Bancshares über seine 54 Filialen in Ohio und Pennsylvania personalisierte Bankberatungen an.

Beratungstyp	Durchschnittliche Dauer	Kundenzufriedenheitsrate
Individuelle Bankberatung	45 Minuten	87.3%
Unternehmensbankberatung	60 Minuten	92.1%

Engagierte Beziehungsmanager

Civista Bancshares beschäftigt ab 2024 127 engagierte Kundenbetreuer.

• Durchschnittliches Kundenportfolio pro Kundenbetreuer: 85 Kunden
• Spezialisierte Manager für die Geschäfts-, Privat- und Vermögensverwaltungssegmente
• Durchschnittliche Bankerfahrung: 12,4 Jahre

Digitale und mobile Banking-Plattformen

Digitale Bankstatistiken für Civista Bancshares im Jahr 2024:

Plattformmetrik	Wert
Mobile-Banking-Benutzer	68,500
Online-Banking-Penetrationsrate	72.4%
Mobile App-Downloads	42,300

Community-orientiertes Engagement

Kennzahlen zum Community-Engagement für 2024:

• Gesponserte lokale Gemeinschaftsveranstaltungen: 37
• Gesamtinvestition der Gemeinschaft: 1,2 Millionen US-Dollar
• Lokale gemeinnützige Partnerschaften: 22

Reaktionsschnelle Kundensupportkanäle

Support-Kanal	Durchschnittliche Reaktionszeit	Kundenzufriedenheit
Telefonsupport	4,2 Minuten	89.5%
E-Mail-Support	6,7 Stunden	82.3%
Live-Chat	3,1 Minuten	91.2%

Civista Bancshares, Inc. (CIVB) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Ab 2023 betreibt Civista Bancshares 45 Bankstandorte mit umfassendem Service, hauptsächlich in Ohio und Pennsylvania.

Staat	Anzahl der Filialen
Ohio	38
Pennsylvania	7

Online-Banking-Website

Die Civista Bank bietet eine umfassende Online-Banking-Plattform mit folgenden Funktionen:

• Kontoverwaltung
• Rechnungszahlungsdienste
• Geldtransfers
• Erklärungs-Downloads

Mobile-Banking-Anwendung

Zu den Funktionen der mobilen App gehören:

• Mobile Scheckeinzahlung
• Kontobenachrichtigungen in Echtzeit
• Kartenkontrollen
• Sicheres Login mit biometrischer Authentifizierung

Telefon-Banking-Dienste

Kundensupport ist rund um die Uhr unter 1-800-540-2010 mit automatisierten Services und Live-Support durch einen Vertreter verfügbar.

ATM-Netzwerk

Geldautomatentyp	Anzahl Geldautomaten
Bankeigene Geldautomaten	35
Gemeinsam genutzte Netzwerk-Geldautomaten	Über 55.000 durch Partnerschaften

Civista Bancshares, Inc. (CIVB) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Civista Bancshares rund 2.500 kleine und mittlere Geschäftskunden in ganz Ohio und den umliegenden Regionen.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	1,050	$375,000
Professionelle Dienstleistungen	850	$425,000
Herstellung	600	$615,000

Privatkunden im Privatkundengeschäft

Civista Bancshares hat zum 31. Dezember 2023 87.500 Privatkunden.

• Persönliche Girokonten: 52.300
• Persönliche Sparkonten: 41.200
• Durchschnittliches Kundenalter: 48 Jahre

Lokale Gemeinschaftsorganisationen

Die Bank betreut 325 lokale Gemeinschaftsorganisationen in ihren Hauptmarktgebieten.

Organisationstyp	Anzahl der Kunden
Gemeinnützige Organisationen	175
Religiöse Institutionen	95
Bildungseinrichtungen	55

Unternehmen des Agrarsektors

Civista bietet Bankdienstleistungen für 620 landwirtschaftliche Unternehmen mit einem Gesamtportfolio an Agrarkrediten von 248,6 Millionen US-Dollar im Jahr 2023 an.

• Finanzierung von Landmaschinen: 87,3 Millionen US-Dollar
• Betriebskredite: 112,5 Millionen US-Dollar
• Landkaufdarlehen: 48,8 Millionen US-Dollar

Professionelle Dienstleister

Die Bank betreut 1.150 professionelle Dienstleister aus verschiedenen Branchen.

Professioneller Sektor	Anzahl der Kunden
Juristische Dienstleistungen	375
Arztpraxen	425
Beratungsunternehmen	350

Civista Bancshares, Inc. (CIVB) – Geschäftsmodell: Kostenstruktur

Vergütung und Zusatzleistungen für Mitarbeiter

Für das Geschäftsjahr 2023 meldete Civista Bancshares einen Gesamtaufwand für Mitarbeitervergütungen und Sozialleistungen in Höhe von 54,3 Millionen US-Dollar.

Ausgabenkategorie	Betrag ($)
Gehälter	42,100,000
Krankenversicherung	5,600,000
Altersvorsorgeleistungen	4,300,000
Sonstige Vergütung	2,300,000

Wartung der Technologieinfrastruktur

Die Wartungskosten für die Technologieinfrastruktur für Civista Bancshares beliefen sich im Jahr 2023 auf insgesamt 12,7 Millionen US-Dollar.

• Kernbankensysteme: 6.500.000 US-Dollar
• Cybersicherheitsinfrastruktur: 3.200.000 US-Dollar
• Netzwerk- und Kommunikationssysteme: 2.100.000 US-Dollar
• Softwarelizenzen und Updates: 900.000 US-Dollar

Betriebsausgaben der Zweigstelle

Die Betriebskosten der Zweigstelle beliefen sich im Geschäftsjahr 2023 auf 18,5 Millionen US-Dollar.

Betriebskosten	Betrag ($)
Miete und Nebenkosten	7,800,000
Wartung und Reparaturen	4,200,000
Bürobedarf	1,500,000
Abschreibung der Ausrüstung	5,000,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Kosten für die Einhaltung gesetzlicher Vorschriften beliefen sich für Civista Bancshares im Jahr 2023 auf 9,2 Millionen US-Dollar.

• Rechts- und Beratungskosten: 4.600.000 USD
• Compliance-Software und -Systeme: 2.800.000 US-Dollar
• Aus- und Weiterbildung: 1.200.000 US-Dollar
• Prüfung und Berichterstattung: 600.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketing- und Kundenakquisekosten für das Geschäftsjahr 2023 beliefen sich auf insgesamt 6,8 Millionen US-Dollar.

Marketingkosten	Betrag ($)
Digitales Marketing	2,700,000
Traditionelle Werbung	1,900,000
Kundengewinnungsprogramme	1,500,000
Werbematerialien	700,000

Civista Bancshares, Inc. (CIVB) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Stand: Q3 2023, berichtete Civista Bancshares 109,4 Millionen US-Dollar an den gesamten Zinserträgen. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamter ausstehender Saldo
Gewerbliche Kredite	712,3 Millionen US-Dollar
Wohnimmobilienkredite	456,2 Millionen US-Dollar
Verbraucherkredite	187,5 Millionen US-Dollar

Gebühren für Bankdienstleistungen

Die Einnahmen aus Servicegebühren für 2023 summierten sich 14,7 Millionen US-Dollar, mit folgender Verteilung:

• Kontoführungsgebühren: 6,2 Millionen US-Dollar
• Transaktionsgebühren: 4,5 Millionen US-Dollar
• Überziehungsgebühren: 2,3 Millionen US-Dollar
• Andere Bankdienstleistungen: 1,7 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Erträge aus der Vermögensverwaltung im Jahr 2023 erreicht 8,3 Millionen US-Dollar, mit verwaltetem Vermögen bei 412 Millionen Dollar.

Einnahmen aus der Treasury-Verwaltung

Treasury-Management-Dienstleistungen generiert 3,9 Millionen US-Dollar Umsatz für das Geschäftsjahr 2023.

Transaktions- und Kontoführungsgebühren

Gebührenkategorie	Jahresumsatz
Gebühren für Geldautomatentransaktionen	1,6 Millionen US-Dollar
Gebühren für Überweisungen	2,1 Millionen US-Dollar
Kontoführungsgebühren	4,5 Millionen US-Dollar

Civista Bancshares, Inc. (CIVB) - Canvas Business Model: Value Propositions

You're looking at the core value Civista Bancshares, Inc. delivers to its customers, which is a blend of deep local connection and broad financial capability. This isn't just about having an account; it's about the specific ways Civista Bancshares, Inc. helps you manage your money and your business.

Community-focused, personalized banking service is the bedrock. Civista Bank, the primary subsidiary founded way back in 1884, emphasizes relationship banking. This local commitment is reinforced by external recognition; Civista Bank earned the No. 26 spot in the $3 billion to $10 billion asset category for the 2025 Best Banks to Work For by American Banker, suggesting a strong internal culture that translates to better service. The physical footprint supports this, with 44 offices across Ohio, Southeastern Indiana, and Northern Kentucky as of late 2025. That's a tangible presence where you live and work.

The service offering covers the full spectrum of financial needs, which you can see laid out here:

Service Category	Specific Offerings Mentioned	Geographic Scope/Scale (Latest Data)
Core Banking	Full-service banking, wealth management	44 locations across OH, IN, KY
Lending/Mortgage	Commercial lending, mortgage services	Loan and lease balances grew $69.9 million since December 31, 2024 (as of Q2 2025)
Equipment Leasing	Commercial equipment leasing	Nationwide service through Civista Leasing and Finance Division

For your business needs, you get full-service commercial lending and mortgage options. You aren't just getting a standard loan; the bank is actively meeting demand in specific areas, like growing its Residential Real Estate portfolio with more home construction loans to support housing needs in its communities. This focus on local economic drivers is key to their lending value proposition.

A distinct offering is the specialized commercial equipment leasing nationwide capability, delivered through the Civista Leasing and Finance Division, headquartered in Pittsburgh, Pennsylvania. This means you can access specialized financing solutions regardless of where your business is located, extending the value proposition beyond the tri-state area of Ohio, Indiana, and Kentucky.

While the search results don't give a specific metric for digital adoption, the value proposition includes enhanced digital convenience across all channels. This is the expectation for any modern financial institution, supporting the relationship banking model by making routine transactions easy, so you can focus on the complex needs that require in-person consultation. The bank's overall size supports this infrastructure investment; Civista Bancshares, Inc. is a financial services holding company with total assets reaching $4.4 billion as of late 2025.

Finally, a major component of the value proposition, especially following recent strategic moves, is the scale of funding available. Post-merger with The Farmers Savings Bank in November 2025, the value proposition includes access to approximately $3.5 billion in total deposits (post-merger, Q3 2025). This figure represents a substantial core deposit base, which is the lifeblood of a community bank, providing stable, low-cost funding to support lending activities. For context, total deposits were $3.2 billion at the end of Q2 2025, before the merger closed.

Here's what that scale means for you:

• Access to a funding base of roughly $3.5 billion post-merger.
• Support for loan and lease balances that grew by $69.9 million in the first half of 2025.
• A strong efficiency ratio of 64.5% for Q2 2025, showing operational focus.
• Net income of $12.8 million for Q3 2025.

Finance: draft 13-week cash view by Friday.

Civista Bancshares, Inc. (CIVB) - Canvas Business Model: Customer Relationships

You're looking at how Civista Bancshares, Inc. keeps its customers engaged and loyal as of late 2025, right after closing the Farmers Savings Bank merger on November 6, 2025. The core of their approach blends that traditional, hands-on community feel with necessary digital convenience.

Dedicated, personalized community banking model

Civista Bancshares, Inc. maintains a strong community bank identity, operating through its subsidiary Civista Bank, which has been serving customers since 1884. This model is physically supported by a network of 42 locations across Ohio, Southeastern Indiana, and Northern Kentucky as of September 2025. The emphasis here is on local decision-making, which you see reflected in the consistent focus on credit quality; the allowance for credit losses to total loans ratio was 1.30% at March 31, 2025. This suggests disciplined underwriting tied to local market knowledge.

The structure supports a relationship-first approach:

• Maintaining a strong commitment to financial stewardship over 140 years.
• Focusing on supporting lending and strengthening customer relationships, as stated by CEO Dennis Shaffer.
• The recent merger expands this community footprint, aiming to bolster market position.

Relationship-deepening focus for long-term retention

The strategy for long-term retention centers on growing deposits and deepening existing customer relationships, a key focus point mentioned in the first quarter of 2025. This is supported by successful deposit initiatives; for instance, core deposits grew organically by $67 million in Q1 2025, reducing reliance on more expensive wholesale funding. The bank's loan-to-deposit ratio stood at 96% at the end of 2024, indicating that deposit gathering is intrinsically linked to relationship management. You can see the financial results of this focus in the strong earnings performance through 2025, with Q3 2025 net income reaching $12.8 million.

Here's a quick look at the financial health supporting this long-term view as of the third quarter of 2025:

Metric	Q3 2025 Value	Comparison/Context
Net Income (Q3 2025)	$12.8 million	Up 53% from Q3 2024
Earnings Per Share (Q3 2025)	$0.68	Beat consensus estimate of $0.61
Net Interest Margin (Q3 2025)	3.58%	Tax equivalent basis
Revenue (Q3 2025)	$44.18 million	Exceeded consensus estimate by 1.78%

High-touch service for commercial lending clients

For commercial clients, the service model is explicitly high-touch. Commercial Lenders are tasked with managing diverse portfolios including C&I, CRE, Construction, Lines of Credit, and Letters of Credit, with an emphasis on C&I opportunities. Your lender is personally involved throughout the entire process, acting as a single point of contact. This team focuses on tailoring financial solutions and building life-long relationships. New and renewed commercial loans originated in Q1 2025 carried an average rate of 7.16%. Furthermore, the bank is prepared to support growth, as undrawn construction lines stood at $226 million at March 31, 2025.

The commitment to commercial clients is evident in their service structure:

• Lenders are active community business leaders with broad industry knowledge.
• Access to executive leaders interested in client business challenges is provided.
• The bank offers creative solutions and prompt answers for business needs.

Self-service via the omni-channel digital platform

While Civista Bancshares, Inc. champions the personal touch, they must compete in a digital landscape where over 83% of U.S. adults used digital banking services as of 2025. The company aspires to deepen customer relationships by enhancing its digital and technological capabilities both internally and externally. This means their omni-channel platform needs to support the general trend where 72% of global banking customers prefer using mobile apps for core services. The goal is to integrate digital tools so that self-service is seamless when needed, allowing relationship managers to focus on complex needs. The efficiency ratio improved to 64.5% in Q2 2025, suggesting operational improvements that can support digital scaling.

The digital platform must support key customer activities, which in the broader market include:

• 60% of users paying bills through online or mobile banking.
• 50% of users transferring between their own accounts digitally.
• 96% of consumers rating their mobile and online banking experience as good or better.

Finance: draft the Q4 2025 digital engagement metrics report by next Tuesday.

Civista Bancshares, Inc. (CIVB) - Canvas Business Model: Channels

You're looking at how Civista Bancshares, Inc. gets its services-from checking accounts to specialized financing-into the hands of its customers. It's a mix of old-school presence and modern digital tools, which makes sense for a regional bank with a specialized national division.

The core of the physical distribution relies on a network of brick-and-mortar sites. As of the third quarter of 2025, Civista Bank operates 44 locations across Ohio, Southeastern Indiana, and Northern Kentucky. This footprint was recently noted to be expanding following the November 6, 2025, completion of the merger with The Farmers Savings Bank, which specifically targeted Northeast Ohio. For context, the holding company reported total assets of approximately $4.4 billion at that time.

The digital channel is built around Civista Bank Digital Banking (CDB), which supports mobile and online access. While I don't have the latest active user count for late 2025, the mobile app offers concrete security features, such as the ability to turn your Civista Debit Mastercard on or off right from the app.

The specialized commercial equipment leasing division, Civista Leasing and Finance, operates nationwide, which is a key difference from the regional branch network. This division has a significant history of activity, having helped fund over 5,000 transactions across various industries since its founding.

Here's a quick look at the distribution points and specialized service reach:

Channel Component	Geographic Scope	Key Metric/Data Point (Late 2025)
Physical Branch Network (Civista Bank)	Ohio, Indiana, Kentucky	44 locations
Commercial Equipment Leasing Division	Nationwide (United States)	Over 5,000 transactions funded historically
Digital Banking (CDB)	Global Access (via Internet/Mobile)	Feature: Debit card on/off control

Beyond the primary branches and digital portals, Civista Bancshares, Inc. supports customer access through supporting infrastructure. You can use your debit card free at any of their ATMs, which they describe as an extensive network, allowing for withdrawals and balance checks. Telephone banking services also remain an available touchpoint for customers needing assistance.

The mix of channels supports the overall financial output; for instance, the third quarter of 2025 saw net income of $12.8 million, which is the result of transactions flowing through these various access points.

You can expect the following services to be accessible through these channels:

• Personal Banking services
• Business Banking services
• Wealth Management services
• Deposit Box rentals at local offices

Finance: draft a comparison of 2025 Q3 digital transaction volume versus Q3 2024 by next Tuesday.

Civista Bancshares, Inc. (CIVB) - Canvas Business Model: Customer Segments

You're looking at the core groups Civista Bancshares, Inc. serves, which are split between their regional bank operations and their national leasing division. Honestly, the customer base is clearly segmented by geography for traditional banking and by service type for specialized financing.

The primary regional footprint for Civista Bank covers Ohio, Southeastern Indiana, and Northern Kentucky, where they operate 42 locations as of mid-2025, expanding to 44 locations following the November 2025 merger with The Farmers Savings Bank. This structure points directly to serving local economies.

Small to mid-sized businesses in the regional footprint are a core focus, evidenced by the loan portfolio composition, which heavily features commercial lending categories. For instance, as of year-end 2024, Commercial Real Estate loans accounted for 52% of the total loan portfolio, and Commercial and Agriculture loans made up 11%. The growth in Q2 2025 was noted in Commercial Real Estate, specifically in non-owner occupied and owner-occupied categories.

Retail customers and households in Ohio, Indiana, and Kentucky are served through full-service banking, mortgage, and wealth management services. The bank has actively pursued deposit growth from these customers, including launching the Ohio Homebuyer Plus Program in May 2024, which brought in $100 million in deposits by the end of 2024. Following the November 2025 merger, the combined entity, with pro forma total assets of approximately $4.4 billion as of September 30, 2025, gained approximately $236 million in low-cost deposits.

Commercial Real Estate and Residential Real Estate developers are a key segment, as shown by the loan mix. Residential Real Estate loans were 25% of the portfolio at the end of 2024. Management specifically noted growth in Residential Real Estate in Q2 2025 due to meeting demand for home construction financing. The company also maintains specific loan categories for these sectors, including Commercial Real Estate - Owner Occupied, Commercial Real Estate - Non-Owner Occupied, Residential Real Estate, and Real Estate Construction. Undrawn construction lines stood at $173 million at September 30, 2025.

Businesses across the US seeking equipment financing are served by the Civista Leasing and Finance Division, which operates nationwide. This division is a distinct channel for customer acquisition outside the core tri-state banking area. For example, YTD 2024 production for Civista Leasing and Equipment Financing saw $89.7 million funded.

Here's a look at how the loan portfolio segments, based on the latest available detailed breakdown:

Loan Segment	Percentage of Total Loans (as of 12/31/2024)	Notes/Activity in 2025
Commercial Real Estate	52%	Continued growth noted in Q2 2025
Residential Real Estate	25%	Grew due to home construction financing demand in Q2 2025
Commercial and Agriculture	11%	Part of the growth in loan and lease balances in 2024
Lease Financing Receivable	Varies	YTD 2024 Funded Production was $89.7 million
Other Segments (e.g., Farm Real Estate, Consumer)	Remaining Percentage	Total Gross Loans were $3.0 billion at the end of 2024

The overall loan and lease balance for the combined entity was projected to be $3.2 billion as of September 30, 2025. The company is focused on deepening relationships, which is a key driver for acquiring these various customer types, from local retail depositors to national equipment leasing clients.

• Geographic Core: Ohio, Southeastern Indiana, and Northern Kentucky.
• National Service: Commercial equipment leasing available for businesses across the US.
• Loan Portfolio Concentration: Commercial Real Estate at 52% (2024 data).
• Post-Merger Size (Pro Forma 9/30/2025): Total Assets of approximately $4.4 billion.
• Key Deposit Initiative: Ohio Homebuyer Plus Program added $100 million in deposits in 2024.

Finance: draft the pro-forma loan mix incorporating the $104 million in net loans from The Farmers Savings Bank merger by next Tuesday.

Civista Bancshares, Inc. (CIVB) - Canvas Business Model: Cost Structure

You're looking at the core expenses Civista Bancshares, Inc. manages to run its operations as of mid-2025. Honestly, for a bank, the cost structure is dominated by the price of money and keeping the lights on across its footprint.

The cost of funds, which is essentially the interest paid on deposits and other borrowings, remains a major driver. For the second quarter of 2025, the cost of funds stood at 232 basis points. This was an improvement, coming in 30 basis points lower than the 261 basis points reported in the second quarter of 2024.

Overall operating costs, categorized as noninterest expense, showed discipline. For the quarter ended June 30, 2025, Civista Bancshares, Inc. reported noninterest expense of $27.5 million. This figure was 3.2% lower than the same period last year, which helped drive the improved efficiency ratio.

The efficiency ratio (noninterest expense divided by net revenue) is a key measure of how well Civista Bancshares, Inc. controls these overheads relative to its income generation. In Q2 2025, this ratio was 64.5%. This represents a tangible improvement from 72.6% in the second quarter of 2024.

Personnel and the physical branch network represent fixed and semi-fixed costs. As of June 2025, Civista Bank maintained 42 locations across Ohio, Southeastern Indiana, and Northern Kentucky. Within the noninterest expense components, equipment expense showed a specific change, decreasing by $0.7 million for the second quarter of 2025 compared to the same period last year, attributed to normal depreciation and lower operating lease contract expenses.

While specific dollar amounts for technology investment aren't itemized in the top-line results, the drive for efficiency, evidenced by the lower expense base and improved ratio, suggests ongoing management of technology spend. The company's strategic moves, like the acquisition of The Farmers Savings Bank announced in July 2025, will certainly introduce new integration and technology costs going forward.

Here's a quick look at those key cost and efficiency metrics for Q2 2025:

Cost/Efficiency Metric	Amount/Rate (Q2 2025)	Context
Noninterest Expense	$27.5 million	For the quarter ended June 30, 2025
Cost of Funds	232 basis points	30 basis points lower than Q2 2024
Efficiency Ratio	64.5%	Compared to 72.6% in Q2 2024
Branch Network Size	42 locations	Across Ohio, Southeastern Indiana, and Northern Kentucky (as of June 2025)

The cost structure is being actively managed, which you see reflected in the expense reduction and the resulting better efficiency ratio. Still, managing the cost of deposits in a competitive rate environment remains a constant focus for Civista Bancshares, Inc.

• Equipment expense decreased by $0.7 million year-over-year for Q2 2025.
• Noninterest expense was 3.2% lower than Q2 2024.
• The cost of funds was 30 basis points lower than Q2 2024.

Finance: draft the projected noninterest expense impact from the Farmers Savings Bank merger integration for Q4 2025 by next Tuesday.

Civista Bancshares, Inc. (CIVB) - Canvas Business Model: Revenue Streams

You're looking at the core ways Civista Bancshares, Inc. brings in money as of late 2025. For a bank holding company, this is primarily driven by the spread between what they earn on assets and what they pay for liabilities, plus fees for services.

The primary engine is Net Interest Income (NII), which was reported at $34.8 million for the second quarter ended June 30, 2025. This figure represented a 25.5% increase compared to the second quarter of 2024. The net interest margin (NIM) for that same quarter improved to 3.64%.

Interest income from the loan portfolio is a major component feeding the NII. For the three months ended June 30, 2025, total interest and dividend income reached $56,271 thousand. The interest and fees on loans component of this total increased by $5,026 thousand year-over-year for Q2 2025.

Commercial Real Estate remains a key driver in the lending book. While management noted being more conservative in pricing CRE opportunities to manage the portfolio mix, the segment still saw growth. Specifically, loans secured by office buildings represented 4.8% of the total loan portfolio as of the end of Q2 2025. The loan and lease portfolio overall grew by $47.1 million from March 31, 2025, to June 30, 2025.

The company generates revenue through non-interest sources as well, though these can be more volatile. For instance, in Q2 2025, total noninterest income saw a significant year-over-year decrease of 36.5%, largely due to non-recurring adjustments related to the Civista Leasing and Finance Division core system conversion. Revenue streams in this area include service charges and wealth management fees.

Commercial equipment leasing revenue is sourced through the Civista Leasing and Finance (CLF) division. During the second quarter of 2025, loans and leases originated by this division carried an average rate of 9.05%.

Finally, direct returns to shareholders are managed through the common dividend. Civista Bancshares, Inc. announced a quarterly common dividend of $0.17 per share on October 22, 2025, consistent with the prior quarter. This translates to an annual dividend rate of $0.68 per share.

Here's a quick look at the key figures from the Q2 2025 period:

Revenue Component	Amount (Q2 2025)	Context/Rate
Net Interest Income	$34.8 million	Quarterly Figure
Total Interest and Dividend Income	$56,271 thousand	Quarterly Figure
Average Origination Rate - Leasing Division	9.05%	Q2 2025 Average
Office Building Loans as % of Total Loans	4.8%	As of June 30, 2025
Quarterly Common Dividend	$0.17 per share	Declared October 2025

The sources of fee-based income and their specific contribution are often bundled, but the operational focus is clear from the lending activity:

• Loan and lease balances grew by $47.1 million from the linked quarter.
• Residential Real Estate loans saw the most significant dollar increase, growing by $42 million.
• The company raised $80.5 million through a public offering in July 2025 to support growth initiatives.
• The efficiency ratio improved to 64.5% in Q2 2025 from 72.6% in Q2 2024.