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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Civista Bancshares
Civista Bancshares (CIVB) investor relations material
Civista Bancshares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Q3 net income was $16.0 million, or $0.77 per diluted share, up 25.5% YoY and 11.9% QoQ; pre-provision net revenue was $21.1 million, versus $15.9 million a year earlier and $18.9 million in Q2.
Net interest margin expanded to 3.93%, up 35 bps YoY, while loans grew $38.0 million QoQ; results include the Farmers Savings Bank merger, which closed in November 2025.
Margin expansion, core deposit growth, controlled expenses and renewed organic loan growth supported results; management expects mid-single-digit loan and core deposit growth into 2027.
Financial highlights
Net interest income was $39.4 million, up 14.1% YoY and 2% QoQ; interest expense fell $2.3 million YoY, partly reflecting lower borrowing costs and disciplined deposit pricing.
Noninterest income was $9.7 million, nearly flat YoY, and increased $644,000 QoQ; Q3 fee income was nearly $9.4 million.
Noninterest expense was $28.0 million, down 1.2% YoY and $675,000, or 2.4%, QoQ; efficiency ratio improved to 55.3% from 61.4% YoY and 58.2% QoQ.
Funding cost was 1.97%, up 3 bps QoQ and down 30 bps YoY; core deposit cost excluding brokered funding was 1.61%, up 2 bps QoQ.
Nine-month net income was $45.3 million versus $33.9 million; diluted EPS was $2.18 versus $2.04.
Outlook and guidance
Management expects mid-single-digit loan growth through year-end 2026 and into 2027, supported by strong pipelines and $268 million of undrawn construction lines at September 30.
Q4 noninterest income is expected at $9.0 million-$9.5 million; interchange and leasing should strengthen, while mortgage results depend on rates.
Q4 noninterest expense is expected at $28.7 million-$29.5 million, including planned colleague, marketing and IT spending; talent, marketing and technology investments are expected to continue in 2027.
Management anticipates NIM 1-2 bps above Q3, including the subordinated-debt offset; each rate hike is expected to add 1-2 bps of quarterly margin expansion.
Interest-bearing deposit beta is expected near 50%, with a lag; management priorities include responsible growth, disciplined balance-sheet management and prudent funding and credit controls.
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Latest events from Civista Bancshares
- Q2 2026 net income up 30% year-over-year, with margin gains, strong capital, and leadership change.CIVB
Q2 2026 - Q1 2026 net income up 47% year-over-year, driven by margin expansion and FSB integration.CIVBQ1 2026
- Annual meeting to elect directors, approve pay, and ratify auditor, with board support for all.CIVBProxy filing
- Proxy covers director elections, executive pay, auditor ratification, governance, and ESG priorities.CIVBProxy filing
- Strong 2025 earnings, margin gains, and stable credit quality set up for continued growth in 2026.CIVBQ4 2025
- Q3 net income fell YoY but rose sequentially, with strong deposit growth and solid capital ratios.CIVBQ3 2024
- Net income rose sequentially, but margin pressure and funding costs weighed on year-over-year results.CIVBQ2 2024
- Q1 2025 net income rose 60% to $10.2M, with strong margin and efficiency gains.CIVBQ1 2025
- Q4 net income rose, but full-year profit fell as funding costs rose; loan growth stayed strong.CIVBQ4 2024
Next Civista Bancshares earnings date
Q4 202628 Jan, 2027
Civista Bancshares
Next Civista Bancshares earnings date
Q4 202628 Jan, 2027
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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.