{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-027632","form_type":"8-K","ticker":"CIVB","cik":"0000944745","company_name":"CIVISTA BANCSHARES, INC.","filed_at":"2024-02-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.375484+00:00","generated_at":"2026-06-06T06:16:47.854433+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Civista Q4 net income $9.7M ($0.62 EPS) vs $12.1M ($0.77) YoY; full year net income up to $43.0M","bullets":["Net income $9.7M ($0.62 diluted EPS) in Q4 2023, down from $12.1M ($0.77) in Q4 2022; full year $43.0M ($2.73) vs $39.4M ($2.60).","Net interest margin fell 57bps to 3.44% from 4.01%; net interest income decreased $2.5M (7.7%).","Loans grew $45.8M in Q4 and $213.4M (8.1%) YoY; deposits increased $365M (13.9%) YoY with shift to time deposits.","Nonperforming assets rose 38.7% to $15.1M; allowance for credit losses to loans ratio 1.30% vs 1.08%.","Repurchased 84,230 shares for $1.5M at $17.77 avg; $12M remaining under $13.5M authorization."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-027632","json":"https://secwatch.observer/filing/0001193125-24-027632.json","markdown":"https://secwatch.observer/filing/0001193125-24-027632.md","text":"https://secwatch.observer/filing/0001193125-24-027632.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/944745/000119312524027632/0001193125-24-027632-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/944745/000119312524027632/d771923d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T06:16:47.854433+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":"25fa28fd0e27a5adca271844a96941d1f9ce624a","claim":"CIVISTA BANCSHARES, INC. reported preliminary financial results for three and twelve-month periods ended December 31, 2023.","evidence_excerpt":"On February 8, 2024, Civista Bancshares, Inc. announced preliminary unaudited earnings for the three and twelve-month periods ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/944745/000119312524027632/0001193125-24-027632-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three and twelve-month periods ended December 31, 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"}