CIVISTA BANCSHARES, INC.

Civista Bancshares, Inc. is a regional bank holding company that operates Civista Bank, providing community banking services across North Central and Southwestern Ohio, Southeastern Indiana, and Northern Kentucky. The company offers a range of deposit products including personal and commercial checking accounts, money market accounts, savings accounts, certificates of deposit, and retirement accounts. Digital and remote banking services are available through internet banking, mobile platforms, and telephone channels, alongside traditional in-branch services such as safe deposit boxes and wire transfers.

The loan portfolio encompasses commercial lending, agriculture, commercial real estate (both owner and non-owner occupied), residential and farm real estate, real estate construction, consumer loans, and home equity lines of credit. The company also generates revenue from lease financing, securities portfolio management, equipment leasing, and captive insurance products. These diversified revenue streams support operations across the bank's regional footprint.

Civista operates with approximately 535 full-time employees and maintains a community banking model focused on its regional markets. Originally founded in 1884 under the name First Citizens Banc Corp, the company rebranded to Civista Bancshares in 2015. It is incorporated in Ohio, headquartered in Sandusky, and trades on Nasdaq.