{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-264518","form_type":"8-K","ticker":"CIVB","cik":"0000944745","company_name":"CIVISTA BANCSHARES, INC.","filed_at":"2023-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.474649+00:00","generated_at":"2026-06-09T07:34:18.923659+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Civista Q3 net income $10.4M ($0.66 EPS); exits tax refund business","bullets":["Net income $10.4M ($0.66 diluted EPS) vs $11.1M ($0.72) a year ago; YTD net income up 22% to $33.3M ($2.12).","Loans grew $118.6M (18% annualized); net interest margin fell to 3.69% from 4.03% YoY on higher funding costs.","Stepping away from income tax refund processing program for 2024; program generated $2.4M annual income with minimal direct costs.","Cost of deposits 129 bps; total funding cost 172 bps; net interest income up 3.5% to $31.5M.","Repurchased 84,230 shares for $1.5M YTD; $12.0M remaining under $13.5M authorization."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-264518","json":"https://secwatch.observer/filing/0001193125-23-264518.json","markdown":"https://secwatch.observer/filing/0001193125-23-264518.md","text":"https://secwatch.observer/filing/0001193125-23-264518.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/944745/000119312523264518/0001193125-23-264518-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/944745/000119312523264518/d576026d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T07:34:18.923659+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":"464dc9661131d2367f44023ea957d192b980e0cb","claim":"CIVISTA BANCSHARES, INC. reported preliminary financial results for three and nine-month periods ended September 30, 2023.","evidence_excerpt":"On October 27, 2023, Civista Bancshares, Inc. announced preliminary unaudited earnings for the three and nine-month periods ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/944745/000119312523264518/0001193125-23-264518-index.htm","confidence":0.7,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three and nine-month periods ended September 30, 2023"},{"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"}