Civista Bancshares, Inc. is classed by the SEC under State Commercial Banks (industry code 6022), based in Sandusky, OH. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $19 million and a profit of $46 million (its filed statements).
Lending businessState Commercial BanksSandusky, OHfilings since 19969 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6022, State Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.1 out of ten, 9 of 9 metrics filed: past 4.0 out of ten, present 4.2 out of ten, future 4.2 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 3.5 out of ten. 2 warning events since 2017; the latest 2024-08-05. 35th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 7.5 out of ten. +17.1% a year over 10 filed years; profitable in 10 of 10. 75th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 2.2 out of ten. Share count grew 5.2% a year. 22% of cash flow returned. Insiders: 0 sales, 2 purchases. 22nd percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 4.0 out of ten. ROE 9%: 9¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar. 40th percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 5.3 out of ten. top 47% of 155 in its family; net margin 20.9%. 53rd percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 2.8 out of ten. bottom 28% of 150 in its family for leadership; chief executive since 2018. 28th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 3.1 out of ten. bottom 31% of 142 in its family for room to expand. 31st percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 3.7 out of ten. bottom 37% of 152 in its family for growth drivers. 37th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 5.7 out of ten. top 43% of 150 in its family for expectations against reality. 57th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-06 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-23 (on EDGAR). Newest filing: Form SCHEDULE 13G, 2026-10-08. Filings on record since 1996. Read from EDGAR 2026-10-12.
Who runs it
Shaffer, Dennis G (CEO); Parcher, Charles A. (President); Curry, Robert L Jr (Senior Vice President); Dutton, Richard J (Senior Vice President); Edwards, Russell L Jr (Senior Vice President); Kessler, Carl A III (Senior Vice President); Mulford, Michael D. (Senior Vice President); Waltz-Jaskolski, Donna M. (Senior Vice President); Whinnem, Ian (SVP/CFO); Sams, Mark J (SVP/Chief Revenue Officer); and 11 more. 21 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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