Civista Bancshares Inc 2026年季度报告

☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934 For the quarterly period ended - March 31, 2026 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934 For the transition period fromtoCommission File Number: 001-36192 Civista Bancshares, Inc. (Exact name of registrant as specified in its charter) 34-1558688(I.R.S. EmployerIdentification No.) Ohio(State or other jurisdiction ofincorporation or organization) 100 East Water Street, Sandusky, Ohio(Address of principal executive offices) 44870(Zip Code) Registrant’s telephone number, including area code: (419) 625-4121 N/A (Former name, former address and former fiscal year, if changed since last report) Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and(2) has been subject to such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant toRule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant wasrequired to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of “large accelerated filer”, “accelerated filer”, “smaller reportingcompany,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. Large accelerated filer☐Non-accelerated filer☐Emerging growth company☐ Accelerated filer☒Smaller reporting company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).Yes☐No☒ Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. CommonShares, no par value, outstanding at May 1, 2026—20,783,348 shares CIVISTA BANCSHARES, INC.Index Financial InformationFinancial Statements:Consolidated Balance Sheets (Unaudited) March 31, 2026 and December 31, 2025Consolidated Statements of Operations (Unaudited) Three months ended March 31, 2026 and2025Consolidated Statements of Comprehensive Income (Unaudited) Three months ended March 31,2026 and 2025Consolidated Statement of Changes in Shareholders’ Equity (Unaudited) Three months endedMarch 31, 2026 and 2025Condensed Consolidated Statements of Cash Flows (Unaudited) Three months ended March 31,2026 and 2025Notes to Interim Consolidated Financial Statements (Unaudited)Management’s Discussion and Analysis of Financial Condition and Results of OperationsQuantitative and Qualitative Disclosures About Market RiskControls and Procedures PART I.Item 1. Item 2.Item 3.Item 4. Other InformationLegal ProceedingsRisk FactorsUnregistered Sales of Equity Securities and Use of ProceedsDefaults Upon Senior SecuritiesMine Safety DisclosuresOther InformationExhibits PART II.Item 1.Item 1A.Item 2.Item 3.Item 4.Item 5.Item 6.Signatures CIVISTA BANCSHARES, INC.Consolidated Balance Sheets(In thousands, except share data) CIVISTA BANCSHARES, INC.Consolidated Statements of Comprehensive Income (Unaudited)(In thousands) CIVISTA BANCSHARES, INC.Consolidated Statement of Changes in Shareholders’ Equity (Unaudited)(In thousands, except share data) CIVISTA BANCSHARES, INC.Condensed Consolidated Statements of Cash Flows (Unaudited)(In thousands) Civista Bancshares, Inc.Notes to Interim Consolidated Financial Statements (Unaudited)Form 10-Q(Amounts in thousands, except share data) (1) Consolidated Financial Statements Nature of Operations and Principles of Consolidation: Civista Bancshares, Inc. ("CBI") is an Ohio corporation and a registeredfinancial holding company. The Consolidated Financial Statements include the accounts of CBI and its wholly-owned direct andindirect subsidiaries: Civista Bank ("Civista"), First Citizens Insurance Agency, Inc. ("FCIA"), Water Street Properties, Inc.("WSP"), CIVB Risk Management, Inc. ("CRMI") and First Citizens Investments, Inc. ("FCI"). The above companies together aresometimes referred to as the "Company". Intercompany balances and transactions are eliminated in consolidation.Managementconsiders the Company to operate primarily in one reportable segment, banking. Civista provides financial services through its offices in the Ohio counties of Champaign, Crawford, Cuyahoga, Erie, Franklin,Henr