---
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"
generated_at: "2026-06-19T23:39:17.352245+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Civista Bancshares Q4 net income $12.1M ($0.77 EPS); net interest margin expands to 4.14%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-026287
- JSON: https://secwatch.observer/filing/0001193125-23-026287.json
- Plain text: https://secwatch.observer/filing/0001193125-23-026287.txt

## Key facts
- Earnings Releases
  CIVISTA BANCSHARES, INC. reported the three months ended December 31, 2022 results: net income $12.1 million, EPS $0.77 per diluted share.
  - Period: the three months ended December 31, 2022
  - Net income: $12.1 million
  - EPS: $0.77 per diluted share
  - Result: preliminary results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/944745/000119312523026287/0001193125-23-026287-index.htm
- Earnings Releases
  CIVISTA BANCSHARES, INC. reported the twelve months ended December 31, 2022 results: net income $39.4 million, EPS $2.60 per diluted share.
  - Period: the twelve months ended December 31, 2022
  - Net income: $39.4 million
  - EPS: $2.60 per diluted share
  - Result: preliminary results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/944745/000119312523026287/0001193125-23-026287-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.