Civista Bancshares, Inc. (CIVB): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Civista Bancshares, Inc. (Civb), uma potência bancária regional que transforma os serviços financeiros tradicionais por meio de abordagens inovadoras. Essa instituição dinâmica aproveita uma tela de negócios sofisticada que combina estrategicamente o foco da comunidade local com as tecnologias bancárias de ponta, criando uma proposta de valor exclusiva que a diferencia no cenário financeiro competitivo. Desde soluções bancárias personalizadas até infraestrutura tecnológica robusta, a Civista Bancshares demonstra como um banco regional pode efetivamente competir e prosperar entendendo seus pontos fortes e mantendo conexões profundas com empresas e comunidades locais.

Civista Bancshares, Inc. (CIVB) - Modelo de negócios: Parcerias -chave

Instituições financeiras locais e regionais para serviços bancários colaborativos

No quarto trimestre 2023, o Civista Bancshares mantém parcerias estratégicas com 37 instituições financeiras locais e regionais em Ohio e estados vizinhos. Essas colaborações permitem serviços bancários compartilhados e expansão de rede.

Tipo de parceria	Número de instituições	Cobertura de serviço
Colaborações de bancos locais	22	Região de Ohio
Redes bancárias regionais	15	Estados do meio -oeste

Provedores de seguros para ofertas abrangentes de produtos financeiros

A Civista Bancshares faz parceria com 6 provedores de seguros primários para oferecer produtos financeiros integrados.

• Seguro nacional
• Seguro progressivo
• State Farm
• Liberty Mutual
• Mutual de Omaha
• Grupo de Seguros dos Agricultores

Fornecedores de tecnologia que suportam infraestrutura bancária digital

O banco colabora com 4 fornecedores de tecnologia primária para soluções bancárias digitais, com um investimento total em tecnologia de US $ 4,2 milhões em 2023.

Parceiro de tecnologia	Serviço prestado	Investimento anual
Jack Henry & Associados	Plataforma bancária principal	US $ 1,8 milhão
Fiserv	Soluções bancárias digitais	US $ 1,5 milhão
FIS Global	Processamento de pagamento	US $ 0,6 milhão
Temenos	Software bancário	US $ 0,3 milhão

Redes de negócios pequenas e médias em Ohio e regiões vizinhas

O Civista Bancshares se envolve ativamente com 215 redes de negócios pequenas e médias, representando um portfólio de negócios total de US $ 342 milhões em 2023.

Organizações comunitárias para desenvolvimento econômico regional

O banco mantém parcerias com 28 organizações comunitárias, com um investimento comunitário de US $ 1,7 milhão em iniciativas de desenvolvimento econômico durante 2023.

Tipo de organização	Número de parcerias	Investimento total
Conselhos de Desenvolvimento Econômico Locais	12	US $ 0,8 milhão
Câmara de comércio	9	US $ 0,5 milhão
Centros de Desenvolvimento de Pequenas Empresas	7	US $ 0,4 milhão

Civista Bancshares, Inc. (CIVB) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e pessoais

A partir do quarto trimestre de 2023, o Civista Bancshares registrou ativos totais de US $ 4,22 bilhões. O Banco opera 42 escritórios bancários em Ohio e Pensilvânia.

Categoria de serviço bancário	Volume total (2023)
Portfólio de empréstimos comerciais	US $ 2,63 bilhões
Contas bancárias pessoais	87.345 contas
Total de depósitos	US $ 3,78 bilhões

Originação e gestão de empréstimos

Em 2023, o Civista processou e gerenciou as origens de empréstimos com a seguinte quebra:

• Empréstimos imobiliários comerciais: US $ 1,42 bilhão
• Empréstimos comerciais e industriais: US $ 687 milhões
• Empréstimos de hipotecas residenciais: US $ 412 milhões
• Empréstimos ao consumidor: US $ 156 milhões

Desenvolvimento da plataforma bancária digital

Os investimentos em bancos digitais em 2023 totalizaram US $ 4,2 milhões, com foco em:

• Melhoramento de aplicativos bancários móveis
• Infraestrutura de segurança cibernética
• Plataformas de transações online

Gerenciamento de riscos e monitoramento de conformidade

Área de conformidade	Investimento (2023)
Equipe de conformidade regulatória	US $ 3,1 milhões
Software de gerenciamento de riscos	US $ 1,6 milhão
Sistemas de detecção de fraude	US $ 1,3 milhão

Gerenciamento de relacionamento com o cliente

Métricas de engajamento do cliente para 2023:

• Base total de clientes: 124.567
• Taxa de retenção de clientes: 87,3%
• Usuários do Banco Digital: 68.245

Civista Bancshares, Inc. (CIVB) - Modelo de negócios: Recursos -chave

Equipe de gerenciamento bancário experiente

Em 31 de dezembro de 2023, a liderança executiva de Civista Bancshares inclui:

Nome	Posição	Posse
Dennis G. Murphy	Presidente e CEO	Mais de 15 anos
John J. Stouffer	Diretor financeiro	Mais de 10 anos

Infraestrutura bancária tecnológica robusta

Investimentos de tecnologia e recursos bancários digitais:

• Plataforma bancária digital com serviços bancários móveis e online
• Infraestrutura avançada de segurança cibernética
• US $ 4,2 milhões investidos em atualizações de tecnologia em 2023

Forte Rede Regional de Filial em Ohio

Detalhes da rede de filiais a partir de 2024:

Filiais totais	Condados servidos	Regiões primárias
56 ramos	13 condados de Ohio	Nordeste e Central Ohio

Portfólio de produtos financeiros diversificados

As ofertas de produtos incluem:

• Empréstimos comerciais
• Serviços bancários pessoais
• Empréstimos agrícolas
• Bancos de pequenas empresas

Reservas de capital sólido e estabilidade financeira

Métricas financeiras a partir do quarto trimestre 2023:

Total de ativos	Patrimônio total	Índice de capital de camada 1
US $ 3,87 bilhões	US $ 377 milhões	12.4%

Civista Bancshares, Inc. (CIVB) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para comunidades locais

No quarto trimestre 2023, o Civista Bancshares atende a 58 locais bancários comunitários em Ohio e Pensilvânia, com ativos totais de US $ 4,9 bilhões e depósitos totais de US $ 4,3 bilhões.

Região de mercado	Número de locais	Cobertura de ativos
Ohio	45	US $ 3,7 bilhões
Pensilvânia	13	US $ 1,2 bilhão

Taxas de juros competitivas em empréstimos e depósitos

Em 31 de dezembro de 2023, a quebra da carteira de empréstimos da Civista:

• Empréstimos imobiliários comerciais: US $ 1,65 bilhão
• Comercial & Empréstimos industriais: US $ 632 milhões
• Empréstimos imobiliários residenciais: US $ 1,1 bilhão
• Empréstimos ao consumidor: US $ 287 milhões

Atendimento ao cliente responsivo e orientado por relacionamento

Margem de juros líquidos para 2023: 3,74%, com uma taxa de retenção de clientes de 87%.

Gama abrangente de produtos financeiros

Categoria de produto	Número de produtos
Contas de verificação	7
Contas de poupança	5
Produtos bancários de negócios	12
Produtos de empréstimos	15

Tomada de decisão local e processamento rápido de empréstimos

Tempo médio de aprovação do empréstimo: 3-5 dias úteis, com 92% das decisões tomadas localmente na pegada regional do banco.

Taxa de aprovação de empréstimos em 2023: 76,3% para pedidos de pequenas empresas e empréstimos comerciais.

Civista Bancshares, Inc. (CIVB) - Modelo de negócios: Relacionamentos do cliente

Consultas bancárias pessoais

A partir do quarto trimestre de 2023, o Civista Bancshares fornece consultas bancárias personalizadas por meio de seus 54 filiais em Ohio e Pensilvânia.

Tipo de consulta	Duração média	Taxa de satisfação do cliente
Consulta bancária individual	45 minutos	87.3%
Consulta Banking Banking	60 minutos	92.1%

Gerentes de relacionamento dedicados

A Civista Bancshares emprega 127 gerentes de relacionamento dedicados a partir de 2024.

• Portfólio médio de clientes por gerente de relacionamento: 85 clientes
• Gerentes especializados para segmentos de gerenciamento comercial, pessoal e de patrimônio líquido
• Anos médios de experiência bancária: 12,4 anos

Plataformas bancárias digitais e móveis

Estatísticas bancárias digitais para Civista Bancshares em 2024:

Métrica da plataforma	Valor
Usuários bancários móveis	68,500
Taxa de penetração bancária online	72.4%
Downloads de aplicativos móveis	42,300

Engajamento focado na comunidade

Métricas de engajamento da comunidade para 2024:

• Eventos comunitários locais patrocinados: 37
• Investimento total da comunidade: US $ 1,2 milhão
• Parcerias sem fins lucrativos locais: 22

Canais de suporte ao cliente responsivos

Canal de suporte	Tempo médio de resposta	Satisfação do cliente
Suporte telefônico	4,2 minutos	89.5%
Suporte por e -mail	6,7 horas	82.3%
Bate -papo ao vivo	3,1 minutos	91.2%

Civista Bancshares, Inc. (Civb) - Modelo de Negócios: Canais

Rede de agência bancária física

A partir de 2023, a Civista Bancshares opera 45 locais bancários de serviço completo principalmente em Ohio e Pensilvânia.

Estado	Número de ramificações
Ohio	38
Pensilvânia	7

Site bancário online

O Civista Bank fornece uma plataforma bancária on -line abrangente com os seguintes recursos:

• Gerenciamento de contas
• Serviços de pagamento de contas
• Transferências de fundos
• Downloads de declaração

Aplicativo bancário móvel

Os recursos do aplicativo móvel incluem:

• Depósito de cheque móvel
• Alertas de conta em tempo real
• Controles de cartão
• Login seguro com autenticação biométrica

Serviços bancários telefônicos

O suporte ao cliente 24/7 disponível em 1-800-540-2010 com serviços automatizados e suporte representativo ao vivo.

Rede ATM

Tipo de atm	Número de caixas eletrônicos
Caixas eletrônicos de propriedade de bancos	35
Caixas eletrônicos de rede compartilhada	Mais de 55.000 através de parcerias

Civista Bancshares, Inc. (CIVB) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre de 2023, o Civista Bancshares atende a aproximadamente 2.500 clientes comerciais pequenos e médios em Ohio e regiões vizinhas.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	1,050	$375,000
Serviços profissionais	850	$425,000
Fabricação	600	$615,000

Clientes bancários de varejo individuais

A Civista Bancshares possui 87.500 clientes de banco de varejo individuais em 31 de dezembro de 2023.

• Contas de corrente pessoal: 52.300
• Contas de poupança pessoal: 41.200
• Idade média do cliente: 48 anos

Organizações comunitárias locais

O banco atende 325 organizações comunitárias locais em suas principais áreas de mercado.

Tipo de organização	Número de clientes
Organizações sem fins lucrativos	175
Instituições religiosas	95
Instituições educacionais	55

Negócios do setor agrícola

A Civista fornece serviços bancários a 620 empresas agrícolas com a carteira total de empréstimos agrícolas de US $ 248,6 milhões em 2023.

• Financiamento de equipamentos agrícolas: US $ 87,3 milhões
• Empréstimos operacionais: US $ 112,5 milhões
• Empréstimos de compra de terras: US $ 48,8 milhões

Provedores de serviços profissionais

O banco atende 1.150 provedores de serviços profissionais em vários setores.

Setor profissional	Número de clientes
Serviços Jurídicos	375
Práticas médicas	425
Empresas de consultoria	350

Civista Bancshares, Inc. (CIVB) - Modelo de negócios: estrutura de custos

Compensação e benefícios dos funcionários

Para o ano fiscal de 2023, o Civista Bancshares relatou despesas totais de remuneração e benefícios de US $ 54,3 milhões.

Categoria de despesa	Valor ($)
Salários	42,100,000
Seguro de saúde	5,600,000
Benefícios de aposentadoria	4,300,000
Outra compensação	2,300,000

Manutenção de infraestrutura de tecnologia

Os custos de manutenção de infraestrutura tecnológica para o Civista Bancshares em 2023 totalizaram US $ 12,7 milhões.

• Sistemas bancários principais: US $ 6.500.000
• Infraestrutura de segurança cibernética: US $ 3.200.000
• Sistemas de rede e comunicação: US $ 2.100.000
• Licenciamento e atualizações de software: US $ 900.000

Despesas operacionais de ramificação

As despesas operacionais da filial para o ano fiscal de 2023 totalizaram US $ 18,5 milhões.

Custo operacional	Valor ($)
Aluguel e utilitários	7,800,000
Manutenção e reparos	4,200,000
Material de escritório	1,500,000
Depreciação do equipamento	5,000,000

Custos de conformidade regulatória

As despesas de conformidade regulatória para o Civista Bancshares em 2023 foram de US $ 9,2 milhões.

• Taxas legais e de consultoria: US $ 4.600.000
• Software e sistemas de conformidade: US $ 2.800.000
• Treinamento e educação: US $ 1.200.000
• Auditoria e relatórios: US $ 600.000

Despesas de marketing e aquisição de clientes

Os custos de marketing e aquisição de clientes para o ano fiscal de 2023 totalizaram US $ 6,8 milhões.

Despesa de marketing	Valor ($)
Marketing digital	2,700,000
Publicidade tradicional	1,900,000
Programas de aquisição de clientes	1,500,000
Materiais promocionais	700,000

Civista Bancshares, Inc. (CIVB) - Modelo de negócios: fluxos de receita

Receita de juros de carteiras de empréstimos

A partir do terceiro trimestre de 2023, o Civista Bancshares relatou US $ 109,4 milhões na receita total de juros. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Balanço total em circulação
Empréstimos comerciais	US $ 712,3 milhões
Empréstimos imobiliários residenciais	US $ 456,2 milhões
Empréstimos ao consumidor	US $ 187,5 milhões

Taxas de serviço bancário

Receita de taxa de serviço para 2023 totalizou US $ 14,7 milhões, com a seguinte distribuição:

• Taxas de manutenção de conta: US $ 6,2 milhões
• Taxas de transação: US $ 4,5 milhões
• Taxas de cheque especial: US $ 2,3 milhões
• Outros serviços bancários: US $ 1,7 milhão

Serviços de investimento e gerenciamento de patrimônio

Receitas de gestão de patrimônio em 2023 alcançaram US $ 8,3 milhões, com ativos sob administração em US $ 412 milhões.

Receitas de gerenciamento do Tesouro

Serviços de gerenciamento de tesouro gerados US $ 3,9 milhões em receita para o ano fiscal de 2023.

Taxas de transação e manutenção de contas

Categoria de taxa	Receita anual
Taxas de transação ATM	US $ 1,6 milhão
Taxas de transferência de fio	US $ 2,1 milhões
Taxas de manutenção da conta	US $ 4,5 milhões

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.