{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-026287","form_type":"8-K","ticker":"CIVB","cik":"0000944745","company_name":"CIVISTA BANCSHARES, INC.","filed_at":"2023-02-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.669046+00:00","generated_at":"2026-06-19T23:39:17.352245+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Civista Bancshares Q4 net income $12.1M ($0.77 EPS); net interest margin expands to 4.14%","bullets":["Net income $12.1M ($0.77 diluted EPS) for Q4 2022, up from $11.0M ($0.73 EPS) in Q4 2021.","Net interest margin improved 72 bps YoY to 4.14% on higher rates and loan growth.","Loan portfolio grew 27.5% YoY to $2.55B, including $167.5M from Comunibanc and $67.2M from VFG acquisitions.","Provision for loan losses increased to $752K in Q4 vs $0 in prior year; reserve ratio 1.12%.","Repurchased 742k shares for $16.8M during 2022; $6.1M remaining under authorization."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-026287","json":"https://secwatch.observer/filing/0001193125-23-026287.json","markdown":"https://secwatch.observer/filing/0001193125-23-026287.md","text":"https://secwatch.observer/filing/0001193125-23-026287.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/944745/000119312523026287/0001193125-23-026287-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/944745/000119312523026287/d358845d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T23:39:17.352245+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"07039943653d7861694c1c1b160513fb884451f0","claim":"CIVISTA BANCSHARES, INC. reported the three months ended December 31, 2022 results: net income $12.1 million, EPS $0.77 per diluted share.","evidence_excerpt":"Net income of $12.1 million, or $0.77 per diluted share, for the fourth quarter of 2022, compared to $11.0 million, or $0.73 per diluted share, for the fourth quarter of 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/944745/000119312523026287/0001193125-23-026287-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2022"},{"label":"Net income","value":"$12.1 million"},{"label":"EPS","value":"$0.77 per diluted share"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"},{"claim_id":"f3972e978f71a16f6473c2a08edc132765655a4c","claim":"CIVISTA BANCSHARES, INC. reported the twelve months ended December 31, 2022 results: net income $39.4 million, EPS $2.60 per diluted share.","evidence_excerpt":"Net income of $39.4 million, or $2.60 per diluted share, compared to $40.5 million, or $2.63 per diluted share, for the twelve months ended December 31, 2022 and 2021, respectively.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/944745/000119312523026287/0001193125-23-026287-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the twelve months ended December 31, 2022"},{"label":"Net income","value":"$39.4 million"},{"label":"EPS","value":"$2.60 per diluted share"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}