Civista Bancshares Q3 net income rises as margin expands
CIVB•CIVB•CIVB•CIVB•Civista Bancshares reported third-quarter net income of $16 million, up 25.5% year over year, and EPS of $0.77, compared with $0.68 a year earlier. Net interest margin expanded to 3.93% from 3.58%.
Civista Bancshares reported third-quarter net income of $16 million, up 25.5% year over year. Earnings per share rose to $0.77 from $0.68 a year earlier, while net interest margin expanded to 3.93% from 3.58% in Q3 2025.
The company attributed higher net income to a 35-basis-point increase in net interest margin, citing disciplined deposit pricing, reduced reliance on higher-cost wholesale funding and favorable loan yields. It said improved efficiency reflected higher net interest income and lower non-interest expenses. Total loans increased $38 million in the quarter, supported by residential real estate and construction lending.
