8-K current report · filed Jul 23, 2026

CIVISTA BANCSHARES, INC. (CIVB) 8-K Current Report: July 23, 2026

Item 2.02Item EX-99.1CIVB overview

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CIVISTA BANCSHARES, INC. (CIVB) filed an 8-K current report with the SEC on July 23, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item EX-99.1 (Exhibit EX-99.1). Preliminary unaudited earnings announced for three and six months ended June 30, 2026.

CIVISTA BANCSHARES, INC. 8-K event analysis

AI summary of each reported item and its exhibits

Item 2.02 · Results of Operations and Financial Condition

  • Preliminary unaudited earnings announced for three and six months ended June 30, 2026
  • Detailed financial results furnished in Exhibit 99.1 press release
  • Results provided under Form 8-K Item 2.02 and excluded from Section 18 filing liability under Regulation FD provisions

Item EX-99.1 · Exhibit EX-99.1

  • Q2 net income $14.3M, up 30.0% YoY but down 4.5% sequentially, signaling strong annual improvement with softer momentum
  • Net interest margin 3.89%, up 25 basis points YoY; cost of funds fell 37 basis points to 194 basis points
  • PPNR rose to $18.9M from $13.9M YoY, while efficiency improved to 58.2% from 64.5%
  • Loans grew $25.2M, or 0.8%, while brokered deposits declined $25.0M sequentially, indicating measured growth and reduced funding costs
  • CEO Dennis Shaffer retires August 28, 2026; Chuck Parcher succeeds him in a planned leadership transition

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