{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-123784","form_type":"8-K","ticker":"CIVB","cik":"0000944745","company_name":"CIVISTA BANCSHARES, INC.","filed_at":"2024-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:22.569425+00:00","generated_at":"2026-06-03T05:17:28.825602+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Civista Q1 net income drops 50% to $6.4M; EPS $0.41 vs $0.82 YoY","bullets":["Net income $6.4M ($0.41 diluted EPS) vs $12.9M ($0.82) in Q1 2023.","Net interest income fell 13.0% to $28.4M; net interest margin narrowed 77 bps to 3.22%.","Noninterest income down 23.2% to $8.5M, driven by exit from tax refund processing ($1.9M loss) and loss of $1.5M MasterCard bonus.","Total deposits flat at $2.98B; noninterest-bearing demand deposits fell 8.3% to $708M.","Provision for credit losses rose to $2.0M from $620K; allowance-to-loans ratio 1.34%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-123784","json":"https://secwatch.observer/filing/0001193125-24-123784.json","markdown":"https://secwatch.observer/filing/0001193125-24-123784.md","text":"https://secwatch.observer/filing/0001193125-24-123784.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/944745/000119312524123784/0001193125-24-123784-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/944745/000119312524123784/d806092d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T05:17:28.825602+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":"6cd6dd5993736173a9165430871229a2973cf0aa","claim":"CIVISTA BANCSHARES, INC. reported three-month period ended March 31, 2024 results: net income $6.4 million, EPS $0.41 per diluted share.","evidence_excerpt":"On April 30, 2024, Civista Bancshares, Inc. announced preliminary unaudited earnings for the three-month period ended March 31, 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/944745/000119312524123784/0001193125-24-123784-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three-month period ended March 31, 2024"},{"label":"Net income","value":"$6.4 million"},{"label":"EPS","value":"$0.41 per diluted share"},{"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"}