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Civista Bancshares (CIVB) investor relations material
Civista Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Q3 2025 net income was $12.8 million ($0.68 per diluted share), up 53% year-over-year and 16% sequentially, with EPS up from $0.53 in Q3 2024.
Pre-provision net revenue increased 45% year-over-year and 14% sequentially.
Completed a public offering raising $80.5 million, increasing shareholders' equity and used to reduce short-term FHLB advances.
Announced and received regulatory approval for the acquisition of The Farmers Savings Bank, expected to close in November 2025, adding $293 million in assets.
Credit quality remains strong, with stable non-performing asset ratios and robust underwriting.
Financial highlights
Net interest income for Q3 2025 was $34.5 million, up $5.3 million (18.2%) year-over-year; net interest margin was 3.58%, up from 3.16%.
Noninterest income for Q3 2025 was $9.6 million, down 4.6% year-over-year, mainly due to lower lease revenue.
Noninterest expense for Q3 2025 was $28.3 million, down 0.2% year-over-year, with efficiency ratio improving to 61.4% from 70.5%.
Total assets at September 30, 2025, were $4.11 billion; total deposits were $3.23 billion.
Allowance for credit losses was 1.30% of total loans at September 30, 2025.
Outlook and guidance
The Farmers Savings Bank merger is expected to close in November 2025, expanding presence in Northeast Ohio.
Expecting NIM to expand by 5 bps in Q4, even with anticipated rate cuts.
Organic loan growth projected to return to mid-single digits in Q4 and increase to mid-to-high single digits in 2026.
Fee income expected to be about $9.2 million in Q4, including $50,000 from Farmers.
Effective tax rate anticipated to remain in the 16%-16.5% range for Q4.
Capital raise deployment strategy
Leasing division origination recovery timeline
Future deposit mix strategy
Confidence in loan growth ramp-up to mid-single digits?
M&A strategy given market disruption?
Drivers of NIM expansion with rate cuts?
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Next Civista Bancshares earnings date
Q4 202529 Jan, 2026
Next Civista Bancshares earnings date
Q4 202529 Jan, 2026
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Frequently asked questions
Civista Bancshares Inc is a financial holding company that operates through its subsidiary bank to provide community banking services. The company offers a variety of financial products, including commercial and consumer loans, deposit accounts, mortgage services, and treasury management. It serves individuals, small businesses, and commercial clients across its regional footprint. In addition to traditional banking services, Civista Bancshares also provides trust and investment advisory services. The company is headquartered in Sandusky, Ohio, and its shares are listed on the NASDAQ.
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