Bank · FDIC insured
Civista Bank
A $4.3B bank, the 317th largest of 4,207, headquartered in Sandusky, OH, with 42 branches in 2 states. Best rates: CDs 4.00% and savings 0.12% APY.
Civista Bank Carrot Score
69
Carrot Score
Higher than 25% of U.S. banks and credit unions
#7 of 12 in Sandusky, OH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Civista Bank
Founded in 1884 and headquartered in Sandusky, Ohio, Civista Bank operates as the banking subsidiary of financial holding company Civista Bancshares, Inc.
The full-service financial institution serves customers with 44 locations across northern, northwestern, central, and southwestern Ohio as well as southeastern Indiana.
- Headquarters
- 100 E Water St, Sandusky, OH 44870
- FDIC certificate
- 12982 ↗
Branches
42 branches in 2 states
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Ohio
34 branches
Sandusky area · 7
- Civista BankMain office100 E Water St, Sandusky, OH 44870Directions
- Berlin Heights Branch24 Main Street, Berlin Heights, OH 44814Directions
- The Castalia Banking Company Branch208 S Washington St, Castalia, OH 44824Directions
- Huron Branch410 Cleveland Rd E, Huron, OH 44839Directions
- Port Clinton Branch185 Se Catawba Rd, Port Clinton, OH 43452Directions
- East Perkins Branch2100 E Perkins Ave, Sandusky, OH 44870Directions
- West Perkins Branch702 W Perkins Ave, Sandusky, OH 44870Directions
Norwalk area · 5
- Greenwich Branch13 Main St, Greenwich, OH 44837Directions
- East Seminary Street Branch36 E Seminary St, Norwalk, OH 44857Directions
- Norwalk Branch207 Milan Ave, Norwalk, OH 44857Directions
- Plymouth Branch49 Sandusky St, Plymouth, OH 44865Directions
- Willard Branch15 E Walton St, Willard, OH 44890Directions
Cleveland area · 3
- Beachwood Office3723 Park East Dr, Beachwood, OH 44122Directions
- Farmers Savings Branch111 W Main St, Spencer, OH 44275Directions
- Wellington Branch502 S Main St, Wellington, OH 44090Directions
Columbus area · 3
- Gahanna Branch5600 N Hamilton Rd, Columbus, OH 43230Directions
- Dublin Financial Service Branch6400 Perimeter Dr, Dublin, OH 43016Directions
- Plain City Office Branch320 S Jefferson Ave, Plain City, OH 43064Directions
Dayton area · 3
- Whipp Road Branch29 W Whipp Rd, Dayton, OH 45459Directions
- Huber Heights Branch7455 Old Troy Pike, Huber Heights, OH 45424Directions
- Springboro Pike Branch9700 Springboro Pike, Miamisburg, OH 45342Directions
Napoleon area · 2
- E. Washington St Branch122 E Washington St, Napoleon, OH 43545Directions
- North Scott Branch1423 Scott St, Napoleon, OH 43545Directions
Bellefontaine area · 2
- Russells Point Branch330 South Orchard Island Road, Russells Point, OH 43348Directions
- West Liberty Branch205 S Detroit St, West Liberty, OH 43357Directions
Mansfield area · 2
- Mansfield Avenue Branch156 Mansfield Ave, Shelby, OH 44875Directions
- North Gamble Street Branch200 N Gamble St, Shelby, OH 44875Directions
Akron area · 1
- Akron Branch529 N Cleveland Massillon Rd, Akron, OH 44333Directions
Toledo area · 1
- Bowling Green Branch124 E Court St, Bowling Green, OH 43402Directions
Holgate area · 1
- Holgate Branch119 Railway Ave, Holgate, OH 43527Directions
Liberty Center area · 1
- Liberty Center Branch523 East St, Liberty Center, OH 43532Directions
Malinta area · 1
- Malinta Branch110 N Turkeyfoot Ave, Malinta, OH 43535Directions
Bucyrus area · 1
- New Washington Branch102 S Kibler St, New Washington, OH 44854Directions
Urbana area · 1
- Urbana Branch601 Scioto St, Urbana, OH 43078Directions
Indiana
8 branches
Cincinnati area · 5
- Aurora Branch500 Green Blvd, Aurora, IN 47001Directions
- Eads Parkway Branch215 W Eads Pkwy, Lawrenceburg, IN 47025Directions
- Lawrenceburg Branch92 Walnut St, Lawrenceburg, IN 47025Directions
- Stateline Road Branch19710 Stateline Rd, Lawrenceburg, IN 47025Directions
- St. Leon Branch7600 Frey Rd, West Harrison, IN 47060Directions
Milan area · 1
- Milan Branch106 E Mill Rd, Milan, IN 47031Directions
Osgood area · 1
- Osgood Branch510 S Buckeye St, Osgood, IN 47037Directions
Versailles area · 1
- Versailles Branch111 East Us 50, Versailles, IN 47042Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.71% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.92% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.45% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $94 | $88 | — |
- CapitalLeverage ratio12.71%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.92%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.45%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$94Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Civista Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.