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Civista Bancshares CIVB Net Interest Income

Net Interest Income at other companies

Fifth Third Bank logo
Fifth Third BankFITB
$2.22B+48.2%
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Huntington BancsharesHBAN
$2.05B+39.9%
KeyCorp logo
KeyCorpKEY
$1.25B+9.6%
SMB
SmartFinancialSMBK
$48.06M+19.1%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$25.69M+8.7%
Capital Bancorp logo
Capital BancorpCBNK
$50.93M+6.9%

Other financials

Income statement

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Revenue$47.6M+15.0%
Net income$14.3M+30.0%
EPS (diluted)$0.69-2.8%

Balance sheet

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Cash & equivalents$77.3M+22.4%
Total debt$2.5M+10.7%
Total equity$566.8M+40.2%
Total assets$4.3B+2.6%

Cash flow

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Operating cash flow$17.1M+54.4%
CapEx$161.0K+30.9%
Free cash flow$3.5M+449%

Valuation

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Market cap$589.1M+57.7%
P/E10.8×+1.4×
P/S3.2×+0.9×

Profitability

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Net margin29.3%+4.9pp
FCF margin29.6%+3.0pp

Returns & leverage

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Return on equity11.2%+1.1pp
Debt / equity0.0×

Where this comes from

Reported directly by Civista Bancshares in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The source filing: Civista Bancshares’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 5:01 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-338386
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Subordinated debentures1,1201,1652,2282,326
Other borrowings97123169268
Total interest expense17,95421,45735,94042,417
Net interest income38,59334,81476,41667,587
Provision for credit losses - loans and leases1,2511,1714832,419
Provision for (recovery of) credit losses - off-balance sheet credit exposures519(146)658173
Net interest income after provision36,82333,78975,27564,995
Noninterest income

ITEM 1. Financial Statements

FAQ

What is Civista Bancshares's net interest income?
Civista Bancshares (CIVB) reported net interest income of $38.59M in Q2 2026.
How has Civista Bancshares's net interest income changed year-over-year?
Civista Bancshares's net interest income increased by 10.9% year-over-year, from $34.81M to $38.59M.
What is the long-term trend for Civista Bancshares's net interest income?
Over 4 years (2021 to 2025), Civista Bancshares's net interest income has grown at a 9.8% compound annual growth rate (CAGR), from $95.43M to $138.58M.
What does net interest income mean?
Calculated as the difference between interest earned on loans and securities and the interest paid on deposits and other borrowings. This is the core measure of a bank's profitability from its primary lending and deposit-taking activities. It serves as the fundamental indicator of the bank's ability to generate revenue from its balance sheet.

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