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AI brief of an SEC Form 8-K · CIVISTA BANCSHARES, INC. (CIVB)

Civista Bancshares Q3 net income rises 25.5% to $16.0 million

Positive Impact 3 of 5 earnings Written later

Civista Bancshares reported third quarter 2026 net income of $16.0 million, or $0.77 per diluted share, up from $12.8 million, or $0.68 per share, in the third quarter of 2025. Net interest margin widened to 3.93% and the efficiency ratio improved to 55.3%, though results include a $1.6 million securities sale loss and $1.8 million in insurance proceeds.

Key points

  • Net income of $16.0 million, up 25.5% year over year and 11.9% from the second quarter of 2026
  • Net interest margin of 3.93%, up 35 basis points from 3.58% a year earlier
  • Net loss of $1.6 million on sale of debt securities, offset in part by $1.8 million in net insurance proceeds
  • Declared a quarterly cash dividend of $0.18 per share; repurchased 82,075 shares in the first nine months of 2026

The filing

CompanyCIVISTA BANCSHARES, INC. (CIVB)
Form8-K, current report
Filed with the SECOct 22, 2026, 7:15 AM ET
Accession number0001193125-26-428313

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:29 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 22, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.