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Civista Bancshares CIVB Bank Owned Life Insurance Income

Bank Owned Life Insurance Income at other companies

SMB
SmartFinancialSMBK
$913K+2.8%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$570K+64.7%
Greene County Bancorp logo
Greene County BancorpGCBC
$708K+13.3%
Trico Bancshares logo
Trico BancsharesTCBK
$816K-0.5%
Customers Bancorp logo
Customers BancorpCUBI
$3.08M-33.8%
CTB
Community Trust BancorpCTBI

Other financials

Income statement

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Revenue$47.3M+16.3%
Net income$15.0M+47.4%
EPS (diluted)$0.72+9.1%

Balance sheet

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Cash & equivalents$77.3M+22.4%
Total debt$2.2M-10.9%
Total equity$552.2M+39.0%
Total assets$4.3B+3.7%

Cash flow

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Operating cash flow$12.2M+237%
CapEx$161.0K+30.9%
Free cash flow$3.5M+449%

Valuation

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Market cap$580.06M+71.0%
P/E11.4×+1.8×
P/S3.2×+1.1×

Profitability

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Net margin28.5%+6.1pp
FCF margin29.6%+3.0pp

Returns & leverage

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Return on equity10.7%+1.5pp
Debt / equity0.0×

Where this comes from

Reported directly by Civista Bancshares in its filing.

Tagged under the XBRL concept us-gaap:BankOwnedLifeInsuranceIncome.

The official record: Civista Bancshares’s 10-K, filed March 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Civista Bancshares's bank owned life insurance income?
Civista Bancshares (CIVB) reported bank owned life insurance income of $458.75K in Q4 2025.
How has Civista Bancshares's bank owned life insurance income changed year-over-year?
Civista Bancshares's bank owned life insurance income decreased by 16.8% year-over-year, from $551.25K to $458.75K.
What is the long-term trend for Civista Bancshares's bank owned life insurance income?
Over 4 years (2021 to 2025), Civista Bancshares's bank owned life insurance income has grown at a 11.2% compound annual growth rate (CAGR), from $1.2M to $1.84M.
What does bank owned life insurance income mean?
This represents the income generated from Bank-Owned Life Insurance (BOLI) policies, typically including increases in cash surrender value and death benefit proceeds. BOLI is often used by financial institutions as a tax-advantaged method to offset the costs of employee benefit plans. It serves as a stable, non-interest income stream for the bank.