Civista Bancshares, Inc. Announces Third Quarter 2026 Net Income of $16.0 million, up 25.5% from Third Quarter 2025
Civista Bancshares reported Q3 2026 net income of $16.0 million, or $0.77 per diluted share, up 25.5% from $12.8 million ($0.68) a year earlier. Net interest margin expanded 35 basis points YoY to 3.93% as cost of funds fell 30 bps, while the efficiency ratio improved to 55.3% from 61.4% and ROA rose to 1.48%. Total loans grew $38.0 million (1.2%) QoQ, brokered deposits declined another $25.0 million, and non-performing assets fell to $27.6 million, reflecting disciplined funding and credit management.
Key figures
- Eps
- 0.77
- Revenue Yoy
- net interest income +14.1% YoY
- Nim
- 3.93%
- Roa
- 1.48%
- Ppnr
- 21103000
- Net income
- 16019000
- Total loans
- 3292923000
- Total assets
- 4304926000
- Net income qoq
- 11.9%
- Net income yoy
- 25.5%
- Nim yoy change
- +35 bps
- Total deposits
- 3477679000
- Loan growth qoq
- 1.2%
- Efficiency ratio
- 55.3%
- Brokered deposits
- 325134000
- Allowance to loans
- 1.29%
- Nonperforming assets
- 27649000
- Tangible book value per share
- 19.87
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