---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-23-196916"
form_type: "8-K"
ticker: "CIVB"
cik: "0000944745"
company_name: "CIVISTA BANCSHARES, INC."
filed_at: "2023-07-28T23:59:59+00:00"
generated_at: "2026-06-12T23:30:46.473824+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Civista Q2 net income $10M ($0.64 EPS), up 30% YoY; NIM 3.86%

## Summary
- Net income $10.0M ($0.64 diluted EPS) vs $7.7M ($0.53) in Q2 2022.
- Net interest income rose 29.1% to $31.3M; net interest margin 3.86% up 43 bps.
- Loans grew $89.6M (+3.5%) since Dec 2022; deposits up $322.8M (+12.3%).
- Noninterest income $9.1M (+62.4%) largely from lease revenue after VFG acquisition.
- Dividend $0.15 per share; no share repurchases in 2023; $13.5M authorization remains.

## SEC filing metadata
- accession: 0001193125-23-196916
- form_type: 8-K
- ticker: CIVB
- cik: 0000944745
- company_name: CIVISTA BANCSHARES, INC.
- filed_at: 2023-07-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/944745/000119312523196916/0001193125-23-196916-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/944745/000119312523196916/d474590d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-196916
- JSON: https://secwatch.observer/filing/0001193125-23-196916.json
- Plain text: https://secwatch.observer/filing/0001193125-23-196916.txt

## Key facts
- Earnings Releases
  CIVISTA BANCSHARES, INC. reported six months ended June 30, 2023 results: net income $22.9 million, EPS $1.45 per diluted share.
  - Period: six months ended June 30, 2023
  - Net income: $22.9 million
  - EPS: $1.45 per diluted share
  - Result: preliminary results
  source text: Net income of $22.9 million, or $1.45 per diluted share, compared to $16.2 million, or $1.10 per diluted share, for the six months ended June 30, 2023 and 2022, respectively.
  evidence_url: https://www.sec.gov/Archives/edgar/data/944745/000119312523196916/0001193125-23-196916-index.htm
- Earnings Releases
  CIVISTA BANCSHARES, INC. reported second quarter of 2023 results: net income $10.0 million, EPS $0.64 per diluted share.
  - Period: second quarter of 2023
  - Net income: $10.0 million
  - EPS: $0.64 per diluted share
  - Result: preliminary results
  source text: Net income of $10.0 million, or $0.64 per diluted share, for the second quarter of 2023, compared to $7.7 million, or $0.53 per diluted share, for the second quarter of 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/944745/000119312523196916/0001193125-23-196916-index.htm

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