---
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"
generated_at: "2026-06-06T06:16:47.854433+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Civista Q4 net income $9.7M ($0.62 EPS) vs $12.1M ($0.77) YoY; full year net income up to $43.0M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-027632
- JSON: https://secwatch.observer/filing/0001193125-24-027632.json
- Plain text: https://secwatch.observer/filing/0001193125-24-027632.txt

## Key facts
- Earnings Releases
  CIVISTA BANCSHARES, INC. reported preliminary financial results for three and twelve-month periods ended December 31, 2023.
  - Period: three and twelve-month periods ended December 31, 2023
  - Result: preliminary results
  source text: On February 8, 2024, Civista Bancshares, Inc. announced preliminary unaudited earnings for the three and twelve-month periods ended December 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/944745/000119312524027632/0001193125-24-027632-index.htm

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