Civista Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
Civista Bancshares has total assets of $4.1B and total equity of $394.4M. Total deposits are $3.2B, and total loans are $3.0B. It earns a Net Interest Margin of 3.7%. It has sufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are $84.3M.
Key information
10.3x
Asset to equity ratio
3.7%
Net interest margin
| Total deposits | US$3.22b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.5% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$84.31m |
Recent financial health updates
No updates
Recent updates
Civista Bancshares, Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions
Nov 01
Earnings Miss: Civista Bancshares, Inc. Missed EPS By 11% And Analysts Are Revising Their Forecasts
May 03Civista Bancshares' (NASDAQ:CIVB) Upcoming Dividend Will Be Larger Than Last Year's
Aug 01Should You Be Adding Civista Bancshares (NASDAQ:CIVB) To Your Watchlist Today?
Jul 22Civista Bancshares (NASDAQ:CIVB) Has Affirmed Its Dividend Of $0.15
May 04Civista Bancshares (NASDAQ:CIVB) Has Announced A Dividend Of $0.14
Feb 09Civista Bancshares, Inc. Just Missed Earnings - But Analysts Have Updated Their Models
May 02Civista Bancshares' (NASDAQ:CIVB) Dividend Will Be Increased To US$0.14
Oct 14Three Things You Should Check Before Buying Civista Bancshares, Inc. (NASDAQ:CIVB) For Its Dividend
Apr 01What Type Of Shareholders Own The Most Number of Civista Bancshares, Inc. (NASDAQ:CIVB) Shares?
Mar 05Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CIVB's Assets to Equity ratio (10.3x) is moderate.
Allowance for Bad Loans: CIVB has a sufficient allowance for bad loans (259%).
Low Risk Liabilities: 88% of CIVB's liabilities are made up of primarily low risk sources of funding.
Loan Level: CIVB has an appropriate level of Loans to Assets ratio (74%).
Low Risk Deposits: CIVB's Loans to Deposits ratio (93%) is appropriate.
Level of Bad Loans: CIVB has an appropriate level of bad loans (0.5%).