Welcome to our dedicated page for Civista Bancshar SEC filings (Ticker: CIVB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Trying to gauge Civista Bancshares鈥� credit health before the next Fed move? Most investors begin with the 10-K to compare loan loss reserves, then dive into the latest 10-Q for net interest margin trends and finally scan Form 4 insider trades for management sentiment. Stock Titan brings all of those documents together on one page and adds AI context you can act on.
Our platform ingests every Civista Bancshares quarterly earnings report 10-Q filing, Civista Bancshares annual report 10-K simplified, and each Civista Bancshares 8-K material events explained notice the moment they hit EDGAR. AI-powered summaries translate technical banking language鈥攖ier-one capital ratios, allowance calculations, deposit mix鈥攊nto plain English, so you see what changed and why it matters.
Need transaction specifics? AG真人官方-time alerts flag Civista Bancshares insider trading Form 4 transactions, letting you monitor board and executive stock moves. Proxy seasons are covered too, with Civista Bancshares proxy statement executive compensation details highlighted for quick comparison across years.
- Instant comparisons鈥攓uarter-over-quarter margin shifts surfaced automatically
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Whether you are understanding Civista Bancshares SEC documents with AI for the first time or need a fast Civista Bancshares earnings report filing analysis, Stock Titan streamlines the journey from disclosure to decision.
Civista Bancshares (CIVB) Q2-25 10-Q highlights:
- Net income jumped 56% YoY to $11.0 m; diluted EPS rose to $0.71 from $0.45.
- Net interest income increased 25% YoY to $34.8 m as loan growth (+2% YTD to $3.15 b) and slightly lower funding costs offset deposit pressure.
- Interest expense fell 6% YoY despite a shift toward higher-cost FHLB advances (short-term advances up 28% since year-end to $433.5 m).
- Credit quality steady: ACL/loans at 1.28% (1.29% YE-24); Q2 provision $1.17 m vs $1.80 m prior year; net charge-offs <0.1% of loans.
- Non-interest income contracted 37% to $6.6 m, mainly from lower lease revenue and equity gains; expense discipline (-3% YoY) partly offset the decline.
- Deposits slipped 0.5% YTD to $3.20 b; non-interest-bearing mix fell to 20% from 22%.
- Shareholders鈥� equity rose 4% to $404 m despite a wider AOCI loss (-$54 m) tied to securities valuation; tangible book 鈮� $20.9/share.
- Liquidity/capital: CET1 not disclosed in excerpt, but equity/asset ratio improved to 9.7%; cash & equivalents $73.9 m (+17% YTD).
Overall, stronger margin, controlled credit costs and lower operating expenses drove record quarterly earnings, offset by softer fee income, continued unrealized losses on the AFS portfolio and rising wholesale funding reliance.
Civista Bancshares, Inc. (CIVB) 鈥� Form 4 insider activity
CEO & President Dennis G. Shaffer reported the purchase of 1,000 common shares on 11 July 2025 at $21.25 per share, totalling roughly $21,250. The shares were bought as part of the company鈥檚 underwritten public offering that closed 14 July 2025.
Following the transaction, Shaffer now beneficially owns:
- Direct: 43,688.1797 common shares (including the new 1,000-share lot)
- Indirect (IRA): 1,477.527 common shares
The filing shows no derivative security activity and no dispositions. The incremental purchase increases Shaffer鈥檚 direct stake by about 2.3%. While the dollar amount is modest, insiders participating in primary offerings are commonly interpreted as a signal of confidence in the issuer鈥檚 near-term prospects, especially within regional banking where capital raises can be scrutinised by investors.
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