BlastPoint's Banking Scorecard
Civista Bank
Community
Specialty: Commercial
OH
FDIC cert 12982
Sandusky, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
Civista Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 29% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.3B
+5.8% YoY
+5.4% QoQ
|
+$2.9B |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$3.2B
+6.3% YoY
+5.6% QoQ
|
+$2.3B |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$3.5B
+8.4% YoY
+7.7% QoQ
|
+$2.3B |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
1.22%
+36.1% YoY
-0.3% QoQ
|
+0.05% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.82%
+12.9% YoY
+3.1% QoQ
|
+0.16% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
62.63%
-9.8% YoY
+0.7% QoQ
|
0 |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.97%
-5.7% YoY
+29.6% QoQ
|
+0.34% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
92.69%
-1.9% YoY
-2.0% QoQ
|
+9.63% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
20.79%
-4.9% YoY
+1.8% QoQ
|
-0.25% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.72%
-5.2% YoY
+29.8% QoQ
|
+0.22% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
15.72%
+35.5% YoY
+2.2% QoQ
|
+5.48% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.74%
-18.8% YoY
+20.5% QoQ
|
0 |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#148 of 513 · Bottom 29% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.69%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Total Loans
Current: $3.2B · Tier avg: $975.5M
98
98th pctile
Total Assets
Current: $4.3B · Tier avg: $1.4B
98
98th pctile
Total Deposits
Current: $3.5B · Tier avg: $1.2B
81
81th pctile
Tier 1 Capital Ratio
Current: 15.72% · Tier avg: 10.24%
74
74th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
61
61th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.79% · Tier avg: 21.05%
48
48th pctile
Efficiency Ratio
Current: 62.63% · Tier avg: 62.63%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.50%
28
28th pctile
Loan-to-Deposit Ratio
Current: 92.69% · Tier avg: 83.06%
26
26th pctile
Delinquency Rate
Current: 0.97% · Tier avg: 0.63%
Top Weaknesses
26
26th pctile
Delinquency Rate
Current: 0.97% · Tier avg: 0.63%
28
28th pctile
Loan-to-Deposit Ratio
Current: 92.69% · Tier avg: 83.06%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.50%
48
48th pctile
Efficiency Ratio
Current: 62.63% · Tier avg: 62.63%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.79% · Tier avg: 21.05%
57
57th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
61
61th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
74
74th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.72% · Tier avg: 10.24%
98
98th pctile
Total Deposits
Current: $3.5B · Tier avg: $1.2B
98
98th pctile
Total Assets
Current: $4.3B · Tier avg: $1.4B
98
98th pctile
Total Loans
Current: $3.2B · Tier avg: $975.5M