Civista Bancshares is the holding company for Civista Bank, a community bank headquartered in Sandusky, Ohio, operating roughly 50 branches across Ohio and southeastern Indiana. Civista's core business is traditional community banking: gathering deposits from individuals, businesses, and municipalities, then deploying those funds into loans. The loan portfolio is concentrated in commercial real estate (~50% of loans) and residential mortgages (~29%), with commercial and agriculture loans at roughly 9%. Civista earns primarily through net interest income — the spread between loan and securities yields and deposit costs — which accounts for ~77% of revenue. Civista manages its net interest margin by originating portfolio loans as adjustable-rate instruments, growing lower-cost core deposits, and reducing reliance on expensive brokered CDs. Beyond core banking, Civista operates two specialty businesses: Civista Leasing & Finance, a Pittsburgh-based nationwide equipment leasing division that originates commercial equipment leases and sells roughly half into the secondary market; and Civista Wealth Management, which provides investment advisory, trust, and 401(k) services. Civista's growth strategy centers on organic loan and deposit growth, recruiting lenders displaced by Ohio bank M&A activity, and selective acquisitions — most recently acquiring Farmers Savings Bank in late 2025, adding $268M in assets and $236M in low-cost deposits. Civista positions itself against larger regional banks by emphasizing local decision-making, relationship banking, and service speed.