# EDGAR Filing Document

**Accession Number:** 0000944745
**File Stem:** 0001193125-26-229611
**Filing Date:** 2026-5
**Character Count:** 14739
**Document Hash:** 1ab8fb6364b7a65911b0e8e993238cca
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-229611.hdr.sgml**: 20260519

**ACCESSION NUMBER**: 0001193125-26-229611

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 33

**CONFORMED PERIOD OF REPORT**: 20260519

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260519

**DATE AS OF CHANGE**: 20260519

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CIVISTA BANCSHARES, INC.
- **CENTRAL INDEX KEY:** 0000944745
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 341558688
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-36192
- **FILM NUMBER:** 26995845

**BUSINESS ADDRESS:**
- **STREET 1:** 100 EAST WATER ST
- **STREET 2:** P O BOX 5016
- **CITY:** SANDUSKY
- **STATE:** OH
- **ZIP:** 44870
- **BUSINESS PHONE:** 4196254121

**MAIL ADDRESS:**
- **STREET 1:** 100 EAST WATER ST
- **STREET 2:** P O BOX 5016
- **CITY:** SANDUSKY
- **STATE:** OH
- **ZIP:** 44870

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FIRST CITIZENS BANC CORP /OH
- **DATE OF NAME CHANGE:** 19950502

?xml version='1.0' encoding='ASCII'? 8-K

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549**

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## FORM 8-K

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**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported):** May 19, 2026<br>

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Civista Bancshares, Inc.

**(Exact name of Registrant as Specified in Its Charter)**

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| | | |
|:---|:---|:---|
| Ohio | 001-36192 | 34-1558688 |
| **(State or Other Jurisdiction<br>of Incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| 100 East Water Street |  |  |
| Sandusky**,** Ohio |  | 44870 |
| **(Address of Principal Executive Offices)** |  | **(Zip Code)** |

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**Registrant's Telephone Number, Including Area Code:** (419) 625 - 4121<br>

**(Former Name or Former Address, if Changed Since Last Report)**

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Securities registered pursuant to Section 12(b) of the Act:**

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| | | |
|:---|:---|:---|
| **<br>Title of each class** | **Trading<br>Symbol(s)** | **<br>Name of each exchange on which registered** |
| Common shares, no par value | CIVB | The Nasdaq Stock Market LLC |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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## Item 7.01 Regulation FD Disclosure.
On May 19, 2026, Civista Bancshares, Inc. held its Annual Meeting of shareholders. The presentation material is attached hereto as Exhibit 99.1

The information in this Current Report on Form 8-K is being furnished under Item 7.01 and shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934 (the "Exchange Act"), or otherwise subject to the liabilities of such section, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933 or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Civista Bancshares, Inc., is a $4.3 billion financial holding company headquartered in Sandusky, Ohio. Its primary subsidiary, Civista Bank, was founded in 1884 and provides full-service banking, commercial lending, mortgage, and wealth management services. Today, Civista Bank operates 44 locations across Ohio, Southeastern Indiana and Northern Kentucky. Civista Bank also offers commercial equipment leasing services for businesses nationwide through its Civista Leasing and Finance Division. Civista Bancshares' common shares are traded on the NASDAQ Capital Market under the symbol "CIVB". Learn more at <u>www.civb.com</u>.

**Item 9.01 Financial Statements and Exhibits.**

(d) [<u>Exhibit 99.1 Annual Meeting presentation material</u>](civb-ex99_1.htm)

Exhibit 104 Cover Page Interactive File-the cover page interactive data file does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document.

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | | | |
|:---|:---|:---|:---|
|  |  |  | Civista Bancshares, Inc. |
| Date: | May 19, 2026 | By:  | /s/ Ian Whinnem |
|  |  |  | Ian Whinnem, <br>SVP & Chief Financial Officer |

---

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## Exhibit 99.1

![Slide 1](civb-ex99_1s1.jpg)

Annual Shareholder Meeting May 19, 2026 NASDAQ: CIVB \| civb.com \| civista.bank WELCOME

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![Slide 2](civb-ex99_1s2.jpg)

FORWARD-LOOKING STATEMENTS Forward-Looking Statements. This presentation may contain forward-looking statements regarding the financial performance, business prospects, growth and operating strategies of Civista. For these statements, Civista claims the protections of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. Statements in this presentation should be considered in conjunction with the other information available about Civista, including the information in the filings we make with the Securities and Exchange Commission. Forward-looking statements provide current expectations or forecasts of future events and are not guarantees of future performance. The forward-looking statements are based on management's expectations and are subject to a number of risks and uncertainties. We have tried, wherever possible, to identify such statements by using words such as "anticipate," "estimate," "project," "intend," "plan," "believe," "will" and similar expressions in connection with any discussion of future operating or financial performance. Although management believes that the expectations reflected in such forward-looking statements are reasonable, actual results may differ materially from those expressed or implied in such statements. Risks and uncertainties that could cause actual results to differ materially include risk factors relating to the banking industry and the other factors detailed from time to time in Civista's reports filed with the Securities and Exchange Commission, including those described in "Item 1A Risk Factors" of Part I of Civista's Annual Report on Form 10-K for the fiscal year ended December 31, 2025, and any additional risks identified in the Company's subsequent Form 10-Q's. Undue reliance should not be placed on the forward-looking statements, which speak only as of the date hereof. Civista does not undertake, and specifically disclaims any obligation, to update any forward-looking statement to reflect the events or circumstances after the date on which the forward-looking statement is made, or reflect the occurrence of unanticipated events, except to the extent required by law. Use of Non-GAAP Financial Measures. This presentation and related materials may contain references to measures which are not defined in generally accepted accounting principles ("GAAP"). These financial measures have been included as they provide meaningful supplemental information to assess trends in the Corporation's results of operations. Management believes these measures are meaningful because they reflect adjustments commonly made by management, investors, regulators, and analysts to evaluate the adequacy of earnings per common share, provide a greater understanding of ongoing operations and enhance comparability of results with prior periods Sources of Information: Company Management and S&P Global Market Intelligence

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![Slide 3](civb-ex99_1s3.jpg)

President, CEO, and Chairman of Civista Bancshares, Inc. and CEO of Civista Bank DENNIS G. SHAFFER WELCOME & INTRODUCTIONS

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![Slide 4](civb-ex99_1s4.jpg)

BOARD OF DIRECTORS Dennis G. Shaffer Chairman, President, and CEO, Civista Bancshares, Inc. and CEO, Civista Bank Charles A. Parcher Executive Vice President, Civista Bancshares, Inc. and President, Civista Bank Darci L. Congrove CPA - Managing Director, GBQ Partners, LLC Mark J. Macioce President, Chief Information Officer MASCO Corporations Julie A. Mattlin Principal and Owner, DKMG Consulting, LLC. M. Patricia Oliver Retired Partner, Tucker, Ellis, LLP and Founder, The Oliver Consulting Group Clyde A. Perfect, Jr. President and CEO, Perfect North Slopes Harry Singer President and CEO, Sandusco, Inc. and ICM Distributing Company, Inc. Nathan E. Weaks President, Automatic Feed Company Lorina W. Wise Chief Human Resources Officer, Nationwide Children's Hospital Gerald B. Wurm President, Wurm's Woodworking Co. and Creative Plastics International

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![Slide 5](civb-ex99_1s5.jpg)

CHARLES PARCHER Corporate Secretary, Civista Bancshares, Inc. LANCE MORRISON Recording Secretary, Civista Bancshares, Inc. KAREN TERENZI Executive Vice President of Civista Bancshares, Inc. and President of Civista Bank

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![Slide 6](civb-ex99_1s6.jpg)

BRIAN FRANEY Vorys, Sater, Seymour and Pease, LLP TONY WEIS BetaNXT / DFIN REX MORGAN PLANTE MORAN, LLC

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![Slide 7](civb-ex99_1s7.jpg)

2026 ANNUAL MEETING NOTICE OF MEETING AFFIDAVIT 2025 MEETING MINUTES

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![Slide 8](civb-ex99_1s8.jpg)

PROPOSAL PRESENTATION PROPOSAL NO. 1: Election of 11 Directors to the Board of Civista Bancshares, Inc. PROPOSAL NO. 2: Approval by non-binding advisory vote of the compensation of Civista Bancshares, Inc.'s named Executive Officers as disclosed in the Proxy Statement. PROPOSAL NO. 3: Ratification of the appointment of Plante & Moran, PLLC as Civista Bancshares, Inc.'s independent accounting firm for the fiscal year ending December 31, 2026.

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![Slide 9](civb-ex99_1s9.jpg)

MANAGEMENT PRESENTATION President, CEO, and Chairman of Civista Bancshares, Inc. and CEO of Civista Bank DENNIS G. SHAFFER

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![Slide 10](civb-ex99_1s10.jpg)

2025 FINANCIAL PERFORMANCE Stock price $22.22 at 12/31/2025 from $21.04 at 12/31/2024 Dividend increase to $0.18 per quarter in January 2026 6th dividend increase since end of 2020 (64% increase) 6 research firms; target stock price range of $26-29. 1 rated as strong buy, 2 rated as buy, 3 rated as hold Acquired and converted The Farmers Savings Bank approx. $106 million of loans, $236 million of deposits

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![Slide 11](civb-ex99_1s11.jpg)

Total Ending Assets $4.3 Billion, up from $4.1 Billion EOY 2024 Full Year Net Income of $46.2 million 46% increase compared to Full Year 2024 EPS of $2.64 compared to $2.01 in Full Year 2024 Net Interest Margin of 3.61% 40 bps increase over Full Year 2024 ROA of 1.11% and ROE of 10.28% Compared to 0.80% and 8.40% in 2024 respectively 2025 FINANCIAL PERFORMANCE

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![Slide 12](civb-ex99_1s12.jpg)

2025 FINANCIAL PERFORMANCE Strong credit quality Minimal delinquencies and charge offs Allowance at 1.28%

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![Slide 13](civb-ex99_1s13.jpg)

MANAGEMENT PRESENTATION Executive Vice President of Civista Bancshares, Inc. and President of Civista Bank CHARLES PARCHER

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![Slide 14](civb-ex99_1s14.jpg)

Grow Relationships & Core Deposits Position Digital to Grow the Bank Invest in Talent & Culture to Drive the Strategic Plan Leverage Technology to Optimize Profitability Increase digital deposit account openings Implement enhanced fraud prevention tools Enhance data analytics tools Deepen existing relationships Execute small business initiative Increase # of relationships; and lifetime customer value Re-skill, up-skill, cross-skill current employees Continue to focus on culture that promotes success and growth for employees and organization Automate labor intensive processes with RPA (Robotics) Optimize capital through customer profitability tools STRATEGIC PRIORITIES 2024-2027

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![Slide 15](civb-ex99_1s15.jpg)

GROW RELATIONSHIPS & CORE DEPOSITS We remain focused on: Primary banking relationships Cross-selling across our product set Serving customers who value a relationship, not just a transaction Deeping existing relationships Attracting customers aligned with our model

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![Slide 16](civb-ex99_1s16.jpg)

POSITION DIGITAL TO GROW THE BANK We are investing in: Digital onboarding and account opening Improved customer experience Enhanced fraud prevention and security Automation to improve efficiency and accuracy

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![Slide 17](civb-ex99_1s17.jpg)

LEVERAGE TECHNOLOGY TO OPTIMIZE PROFITABILITY We will leverage automation and process improvement to: Reduce friction Improve scalability Enhance accountability Focus resources on customer-facing activity

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![Slide 18](civb-ex99_1s18.jpg)

INVEST IN TALENT & CULTURE TO DRIVE THE STRATEGIC PLAN We continue to invest in: Talent development Performance management Leadership depth A culture of accountability, collaboration, and engagement

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![Slide 19](civb-ex99_1s19.jpg)

CLOSING COMMENTS

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![Slide 20](civb-ex99_1s20.jpg)

THANK YOU We appreciate your confidence in our vision. NASDAQ: CIVB \| civb.com \| civista.bank

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![Slide 21](civb-ex99_1s21.jpg)

QUESTIONS & ANSWERS

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![Slide 22](civb-ex99_1s22.jpg)

PROPOSAL VOTING RESULT PROPOSAL NO. 1: Election of 11 Directors to the Board of Civista Bancshares, Inc. PROPOSAL NO. 2: Approval by non-binding advisory vote of the compensation of Civista Bancshares, Inc.'s named Executive Officers as disclosed in the Proxy Statement. PROPOSAL NO. 3: Ratification of the appointment of Plante & Moran, PLLC as Civista Bancshares, Inc.'s independent accounting firm for the fiscal year ending December 31, 2026.

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![Slide 23](civb-ex99_1s23.jpg)

Your trust and investment drives our success. THANK YOU! NASDAQ: CIVB \| civb.com \| civista.bank