CIVISTA BANCSHARES, INC. — Form 8-K
Filed July 24, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 28/100
What the filing says
Civista Bancshares reported Q2 2026 net income of $14.3M (up 30% from $11.0M in Q2 2025), with net interest margin expanding 25 basis points year-over-year to 3.89%. The company completed the FSB acquisition in November 2025 (closed, $285M assets; $106M loans/leases and $236M deposits added), raised $75M capital in July 2025, and grew total assets organically by $1.7B and via acquisition by $1.2B since 2020. Key metrics: ROAA 1.34% (+28 bps YoY), ROAE 10.23%, tangible book value per share $20.43 (+$2.95 YoY), dividend raised to $0.18/share in Q1 2026, efficiency ratio 58.2% (-630 bps YoY), nonperforming loans 94 bps of total loans.
Why this rating
Strong quarterly results with margin expansion and acquisition integration. However, at $4.3B assets (~1.2% of company's $351B market cap), material growth within Civista's franchise but immaterial to overall market valuation.
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