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Civista Bancshares CIVB Provision for Credit Losses

Provision for Credit Losses at other companies

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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$584.94M+56.6%
P/E10.8×+1.3×
P/S3.2×+0.8×

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:ProvisionForDoubtfulAccounts.

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
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
Service charges1,8891,5643,6033,088

ITEM 1. Financial Statements

FAQ

What is Civista Bancshares's provision for credit losses?
Civista Bancshares (CIVB) reported provision for credit losses of $1.25M in Q2 2026.
How has Civista Bancshares's provision for credit losses changed year-over-year?
Civista Bancshares's provision for credit losses increased by 6.8% year-over-year, from $1.17M to $1.25M.
What is the long-term trend for Civista Bancshares's provision for credit losses?
Over 4 years (2021 to 2025), Civista Bancshares's provision for credit losses has grown at a 42.0% compound annual growth rate (CAGR), from $830K to $3.38M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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