# EDGAR Filing Document

**Accession Number:** 0000944745
**File Stem:** 0001193125-25-263525
**Filing Date:** 2025-11
**Character Count:** 30422
**Document Hash:** f8bc803ff56141af4475230ba58ce119
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-263525.hdr.sgml**: 20251104

**ACCESSION NUMBER**: 0001193125-25-263525

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 55

**CONFORMED PERIOD OF REPORT**: 20251104

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251104

**DATE AS OF CHANGE**: 20251104

**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:** 251446370

**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):** November 04, 2025<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.
Civista Bancshares, Inc. (NASDAQ: CIVB) is pleased to announce its participation in two upcoming financial services conferences. Members of Civista's executive leadership team will engage with institutional investors and industry peers to discuss current banking trends, strategic growth initiatives, and the company's long-term outlook.

1) Hovde Group Financial Services Conference

Dates: November 6–7, 2025

Location: Naples, Florida

2) Piper Sandler Financial Services Conference

Dates: November 10–12, 2025

Location: Miami, Florida

A copy of Civista's Third Quarter 2025 Investor Presentation, which will be used in connection with these conferences, is furnished as Exhibit 99.1 to this Current Report on Form 8-K.

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 $4.1 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 42 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) Exhibit 99.1 [<u>Investor Presentation of Civista Bancshares, Inc. for period ended September 30, 2025</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: | November 4, 2025 | By:  | /s/ Ian Whinnem |
|  |  |  | Ian Whinnem<br>Senior Vice President & Chief Financial Officer |

---

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## Exhibit 99.1

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

Investor Presentation Third Quarter 2025 Dennis G. Shaffer - Chief Executive Officer & President Charles A. Parcher – Executive Vice President Richard J. Dutton - Senior Vice President, Chief Operating Officer Ian Whinnem – Senior Vice President, Chief Financial Officer NASDAQ: CIVB

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

Forward-Looking Statements. This presentation may contain "forward-looking statements" within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements express management's current expectations, estimates or projections of future events, results or long-term goals, and are generally identifiable by the use of words such as "believe," "expect," "anticipate," "plan," "intend," "estimate," "may," "will," "would," "could," "should" or other similar expressions. All statements in this material speak only as of the date they are made, and we undertake no obligation to update any statement except to the extent required by law. Forward-looking statements are not guarantees of performance and are inherently subject to known and unknown risks, uncertainties and assumptions that are difficult to predict and could cause actual results or performance to differ materially from those expressed in or implied by the forward-looking statements. Factors that could cause actual results or performance to differ from those discussed in the forward-looking statements include the risks identified from time to time in our public filings with the SEC, including those risks identified in "Item 1A. Risk Factors" of Part I of the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2024, as supplemented by any additional risks identified in the Company's subsequent Form 10-Qs. These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance should not be placed on such statements. Use of Non-GAAP Financial Measures. This presentation contains certain financial information determined by methods other than in accordance with accounting principals generally accepted in the United States ("GAAP"). These non-GAAP financial measures include "Tangible Book Value per Share" , "Tangible Common Equity to Tangible Assets" and "Efficiency Ratio". The Company believes that these non-GAAP financial measures provide both management and investors a more complete understanding of the Company's profitability. These non-GAAP financial measures are supplemental and are not a substitute for any analysis based on GAAP Measures. Not all companies use the same calculation of these measures; therefore this presentation may not be comparable to other similarly titled measures as presented by other companies. Reconciliations of these non-GAAP measures are provided in the Appendix section of this presentation. Sources of Information: Company Management and S&P Global Market Intelligence 2

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

Contact Information Civista Bancshares, Inc.'s common shares are traded on the NASDAQ Capital Market under the symbol "CIVB." Additional information can be found at: civb.com civista.bank Dennis G. Shaffer Chief Executive Officer & President dgshaffer@civista.bank Telephone: 888.645.4121 3

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

Who We Are 4

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

About our Footprint (Ohio & Indiana) Civista has a presence in Ohio's 6 largest MSAs Cleveland-Elyria MSA: (~2.1 million people) Cleveland and surrounding cities in the northeast part of the state, a major hub for world-class healthcare, advanced manufacturing and financial services Columbus MSA: (~2.2 million people) Centered around Columbus, the state capital, a thriving hub for business, finance and education Cincinnati MSA: (~2.3 million people) Includes parts of Ohio, Kentucky, and Indiana, with Cincinnati as the central city, a cultural hub known for its Fortune 500 companies Dayton MSA: (~0.8 million people) Southwestern Ohio, Dayton is known for its aerospace and defense industries Akron MSA: (~0.7 million people) Located in northeastern Ohio, recognized for its roots in polymer, rubber and tire manufacturing history Toledo MSA: (~0.6 million people) Located in northwest Ohio, strengths in manufacturing, education, and logistics & transportation due to its proximity to ports, highways and rail lines. Population: Ohio is the 7th most populous state with approx. 11.8 million residents; 10th in density (289 people / square mile) 60% of U.S. population within 600 miles of Ohio and 50% of U.S. population within a 6 hour drive of Columbus, Ohio Ohio ranks 7th in the nation for its Gross Domestic Product (GDP), approx. $935 Billion, driven by industries such as manufacturing, finance, and healthcare 27 Fortune 500 companies HQ in Ohio; 5th most of all U.S. states 163 banks headquartered in Ohio; 125 are under $1B in assets; Civista becomes a natural consolidator Business in the News: Ohio has become business friendly – Ranked #5 on CNBC list of Top States for Business 2025 Anduril Industries – Columbus, Ohio – 4,000 direct & 4,500 indirect new jobs created #1 on CNBC 2025 Disruptor 50 list Intel Semiconductor Plant – Columbus, Ohio – 3,000 direct & 10,000 indirect jobs created Whirlpool invests $300M in Clyde (N. Ohio) and Marion (Central Ohio) Facilities – creating 600 jobs Ohio - National leader, hosting over 180 data centers Google, Meta, Amazon (AWS), Microsoft 100+ Columbus, 20+ Cleveland, 20+ Cincinnati, 5+ in each of Akron & Dayton

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

Geographical Footprint Bank founded and headquartered in 1884 in Sandusky, Ohio 10th Largest Publicly Traded Commercial Bank Headquartered in Ohio 531 Employees (524 FTE) Community Banking Focused Operations in 14 Ohio, 2 Indiana and 1 Kentucky Counties 40 Branches & 2 Loan Production Offices Operations in the 5 largest Ohio MSAs Civista Leasing and Finance (CLF) is a national equipment leasing and finance operation with equipment leased in all 50 states Full-Service Banking Organization with Diversified Revenue Streams Commercial Banking Retail Banking Treasury Management Wealth Management Private Banking Mortgage Banking Equipment Leasing

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

Market Share in our Footprint Deposit market share information as of June 30, 2025. Sandusky/Norwalk/Port Clinton, Ohio 9 Locations $651 million in loans $1,535 million in deposits #1 deposit market share in Sandusky, Ohio with ~67% Cleveland/Akron, Ohio 3 Locations $940 million in loans $187 million in deposits North Central, Ohio 6 Locations $40 million in loans $232 million in deposits ~39% deposit market share Columbus & West Central, Ohio 6 Locations $417 million in loans $292 million in deposits 28% deposit market share in the rural markets Greater Dayton, Ohio 3 Locations $152 million in loans $109 million in deposits Southeastern Indiana/Cincinnati, Ohio 9 Locations $560 million in loans $667 million in deposits ~42% deposit market share Northwest Ohio 6 Locations $238 million in loans $207 million in deposits ~13% deposit market share Civista Leasing & Finance $38 million in financing leases $60 million in commercial loans $15 million in operating leases

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

Source: Company Management, S&P Capital IQ Pro Non-GAAP financial metric. Please refer to "Non-GAAP Reconciliation" page Assumes common equity raise base offering with gross proceeds of $80.5 million including the full overallotment option Reflects bank level Call Report financial data Strategic Acquisition of Farmers Savings Bank Follow-On Offering Cincinnati Columbus Dayton Sandusky Akron Napoleon Strengthens presence in Cleveland MSA (Medina and Lorain) counties, enhancing competitive advantage and allowing for greater customer acquisition Financially compelling: Acquiring low cost core deposit franchise with 46% loans/deposits Lowers combined CRE concentration ratio Securities portfolio provides additional liquidity High single-digit EPS accretion, manageable TBV per share dilution and TBV earnback (3 years) Combined assets of $4.5 billion at close (est. 12/31/2025) CIVB: $4.1 billion assets at 3/31/2025 Farmers: $285 million assets at 3/31/2025 $70 million common stock base deal plus the full overallotment option Supports organic growth opportunities, future strategic transactions and general corporate purposes Tangible Common Equity / Tangible Assets1,2 Regulatory CRE Concentration2,3 8 Announced July 2025 Transactions

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

Capital Ratios Post Acquisition 1) 2) Assumes a transaction closing date of 12/31/2025 Reflects bank level Call Report financial data 9

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

10-Year History of Civista Organic Growth supplemented with M&A Source: S&P Capital IQ Pro Civista has a history of steady organic growth supplemented with opportunistic acquisitions supporting consistent dividend increases $1.4 Acquisition: Closed July 2022 $327M in Assets Acquisition: Announced July 2025 $285M in Assets $1.5 $1.6 $1.6 $2.3 $2.6 $3.1 $3.2 $3.7 $3.9 $4.1 Acquisition: Closed March 2015 $103M in Assets Organic Assets ($B) Acquired Assets ($B) Quarterly Dividend Terminated tax refund processing: January 2024 10 Acquisition: Closed Sept. 2018 $551M in Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025

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

Disciplined Acquirer Recent History: July 2025, announced the signing of a definitive merger agreement to acquire The Farmers Savings Bank in Spencer, Ohio (Cleveland MSA) Completed 6 acquisitions since 2007, including the acquisition of Comunibanc Corp, which closed July 2022 Acquisition of Civista Finance and Leasing (fka Vision Financial Group) in Q4 2022 M&A Target Criteria ◊ Community banks positioned in Ohio or contiguous states ◊ Banks with assets between ~$300 million and ~$1.5 billion ◊ Low loan to deposit ratio ◊ Reasonable cost of deposits ◊ Accretive to earnings per share ◊ Allow Civista to maintain strong capital levels ◊ Acceptable tangible book value earn back period ◊ Operational compatibility ◊ Cultural fit ◊ Identifiable cost savings and synergies ◊ Manageable credit issues

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

Why Invest in Civista? 141-year-old community bank franchise with an established operating model in rural and growth markets Since 2019, Civista has increased total deposits $1.55 billion or 92% (72% of growth is organic) Low-cost deposit franchise (163 bps total cost of deposits (excluding brokered))\* Since 2019, Civista has increased total loans $1.4 billion or 81% (83% of growth is organic) Generating loans and deposits in each of Ohio's 6 largest MSAs Strong Earnings and Expanding Net Interest Margin Year-to-date net income of $33.9 million , an increase of $12.1 million compared to $21.8 million for the same period last year Net interest margin of 3.58% in Q3 of 2025, compared to 3.16% in Q3 2024, and 3.36% in Q4 2024 Disciplined underwriting verified with strong credit quality metrics Nonperforming loans as percent of total loans is 0.74% in Q3 2025 Strong capital position; enhanced by recent $80.5 million capital offering History of successfully acquiring and integrating banks that are accretive to earnings 6 acquisitions since 2007; announced The Farmers Savings bank acquisition in July 2025 Experienced management team with a deep bench Average banking experience of 32 years Use of LPOs to extend our reach (Westlake, Ohio and Fort Mitchell, Kentucky) Member Russell 2000 index \* Year-To-Date

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

Executive Team

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

Community

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

Current Events 15

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

Deposits $3.2 billion in Total Deposits Excluding brokered, cost of deposits are 163 bps and deposits grew organically 4.6% YoY Civista Bank is 141 years old with a generational and relationship driven deposit core 84.2%\* of deposits insured Excluding $509 million of primarily public operating deposits, Civista had no deposit concentrations "Civista's deposit franchise is one of our most valuable characteristics and contributes significantly to our peer leading net interest margin and profitability" \*Excluding Civista internal and tax program related deposit accounts - All Figures are as of Sep 30, 2025

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

Liquidity Cash and Securities are 22.3% of Total Deposits All securities are held for sale Strong on-balance sheet liquidity $485 million of cash and unpledged securities Ready access to off-balance sheet funding Immediate access to $1.6 billion in funding from FHLB, Federal Reserve and CDARS/IntraFi All Figures are as of Sep 30, 2025

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

Credit Credit metrics remain stable and strong Allowance for credit losses to loans was 1.30% Strong allowance for credit losses of $40.3 million Nonperforming loans as percent of total loans is 0.74% Net charge offs as percent of average loans is 0.01%\* Virtually no central business office exposure $15.4 million, 0.5% of loan portfolio All Figures are as of Sep 30, 2025 \* Last-Twelve-Months Basis

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

Capital Total shareholders' equity of $499 million Tier 1 risk-based capital ratio of 14.19% Total risk-based capital ratio of 17.80% Civista continues to create capital through earnings "Well Capitalized" by regulatory standards Tangible Common Equity ratio of 9.21% Successful $70 million common stock base deal plus the full overallotment option in July 2025; bolstering capital ratios. Supports organic growth opportunities, future strategic transactions and general corporate purposes Proforma capital ratios following Farmers Acquisition & including Capital Raise 1 Regulatory CRE Concentration 2 = 292% Tangible Common Equity / Tangible Assets = 8.6% All Figures are as of Sep 30, 2025 Assumes common equity raise base offering with gross proceeds of $80.5 million including the full overallotment option – estimated at 12/31/2025 Reflects bank level Call Report financial data

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

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

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

Initiatives in Flight Earnings Improvement Net income increased $12.2 million or 55.8% YoY (YTD) EPS increased 48% or about $0.66 YoY (YTD) Non-interest income 19% of total Revenue (YTD 2025) NIM % above peer median for each of last 5 years Loan pricing above peer median, Deposit cost below peer median Expense Management Eliminated contract help due to leasing conversion, reducing expenses by $350,000/qtr Replaced after hour and overflow calls with an AI virtual banking assistant saving an estimated $315,000 annually Renegotiated general insurance with no reduction in coverage saving $160,000 Closed branch in Dec. 2024, $142,000 of projected savings in 2025 Closed accounts purged off core system resulting in $90,000 savings Implemented improved and optimized Fraud prevention Low/Lower Cost Funding July 2025 - Launched MANTL online deposit account opening platform Announced acquisition of The Farmers Savings Bank scheduled for Q4 2025 46% loan to deposit ratio 1.72% cost of deposits Ohio Homebuyer Plus Program 800 accounts equating to $80 million in deposits at a rate of 168 bps\* Additional $14 million customer deposits; about 35% of customers are new to bank Wealth Management Cash Balances Transferred ~ $80 million in deposits to balance sheet from our wealth management clients' cash balances (formally held outside the Bank) Other – Focused Marketing to: Public fund operating accounts Loan customers with low/no deposit balances \* 168 bps average as of September 30, 2025

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

Financial Trends 22

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

Financial Trends September 30, 2025 includes $71 thousand of PPP loans; Sep 30, 2024 includes $214 thousand of PPP loans. Presented on an annualized basis 3. Non-GAAP reconciliation on page 43 4. Excludes held for sale and deferred loan fees

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![Slide 24](civb-ex99_1s24.jpg)

Total Assets1 ($ in millions) 1. 2022 includes the addition of $316 million in assets due to Comunibanc Corp acquisition. CAGR 8.7% Financial Trends

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![Slide 25](civb-ex99_1s25.jpg)

Total Gross Loans and Leases1, 2 ($ in millions) 1. 2020 includes $217.3 million of PPP loans. 2021 includes $43.2 million of PPP loans. 2022 includes $819 thousand of PPP loans as well as $169 million due to the Comunibanc Corp acquisition. Financial Trends 2. Excludes held for sale and deferred loan fees CAGR 9.0%

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![Slide 26](civb-ex99_1s26.jpg)

Financial Trends Loan Mix ($ in millions) Total Loans: $3.1 billion

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![Slide 27](civb-ex99_1s27.jpg)

Financial Trends CRE Non-Owner Concentrations ($ in millions) Total: $900.3 million

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![Slide 28](civb-ex99_1s28.jpg)

Financial Trends CRE Non-Owner Office Details ($ in millions) Total: $202 million

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![Slide 29](civb-ex99_1s29.jpg)

Financial Trends Civista Leasing and Equipment Financing ($ in millions) 2025 YTD Production YTD Funded: $47.7 million Sold: $21.5 million Net Production: $26.2 million Average Yield on Total Portfolio: 9.31% Average Yield on Q3 Originations: 9.34% Targeted Industries: Propane, Recycling/Waste Management, Environmental, Additive Manufacturing (3-D Printing), Construction, Non-destructive testing

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![Slide 30](civb-ex99_1s30.jpg)

Financial Trends 1. LTM basis Net Chargeoff Ratio1 Loan Loss Reserves / Gross Loans NPAs & 90+PD / Assets Loan Loss Reserves / Gross Loans Nonperforming Assets / Total Assets Reserves / NPLs

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![Slide 31](civb-ex99_1s31.jpg)

Financial Trends Total Deposits1,2 ($ in millions) 2022 includes the addition of $271 million in deposits due to the Comunibanc Corp acquisition. Brokered deposits have decreased $69 million from December 31, 2024 to September 30, 2025 CAGR 8.5%

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![Slide 32](civb-ex99_1s32.jpg)

Financial Trends Total Deposits: $3.2 billion Loan/Deposit Ratio: 94.6% Deposit Mix ($ in millions)

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![Slide 33](civb-ex99_1s33.jpg)

Financial Trends S&P Capital IQ Peer data as of 09/30/2025 or the latest available date. Note: Comparable peers include public banks $2-$6B in total assets in Ohio and contiguous states. Net Interest Margin (%) Total Cost of Deposits (%) Yield on Loans (%) Better than peer median Better than peer median Better than peer top quartile

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![Slide 34](civb-ex99_1s34.jpg)

Financial Trends Non-interest income 20% of revenue over last twelve months; across diverse revenue streams Gain on Sale of Loans and Leases Gain on sale of mortgages, 2025 Q3 and 2024 Q3 was $803 thousand and $654 thousand, respectively Gain on sale of leases, 2025 Q3 and 2024 Q3 was $607 thousand and $715 thousand, respectively Wealth Management $1.40 million 2025 Q3 and $1.44 million 2024 Q3 Interchange Income $1.44 million 2025 Q3 and $1.40 million 2024 Q3 Fee income platform Service charges on deposit accounts increased 4.5% from $1.7 million 2025 Q3 and $1.6 million 2024 Q3 Continued focus on review of branch network Identified efficiencies in operations Robotic Process Automation AI / Chat bot Leasing system upgrade Non-Interest Income Efficiency ratio of 61.4% in Q3 2025, compared to 70.2% in Q3 2024 Disciplined approach to controlling non-interest expense Replaced after hour and overflow calls with an AI virtual banking assistant saving $210,000 annually Renegotiated general insurance while maintaining equivalent coverage saving $165,000 from 2023 Reduction in expenses due to branch closings saving $238,000 annually Non-Interest Expense

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![Slide 35](civb-ex99_1s35.jpg)

Financial Trends 1. TCE Non-GAAP reconciliation on page 42 2. LTM basis July 2025 successfully issued $80.5 million of common stock November 2021 issued $75 million in 3.25% subordinated debt (becomes floating in Q4 2026) Authorized $13.5 million stock repurchase plan in April 2025 No repurchases were made in the past 5 quarters $200 million shelf offering completed in fourth quarter 2024 Increased quarterly common dividend to $0.17 per share in the first quarter 2025 Dividend payout ratio 25.0% as of September 30th, 2025 Capital Management

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![Slide 36](civb-ex99_1s36.jpg)

Capital Ratios Post Acquisition 1) 2) Assumes a transaction closing date of 12/31/2025 Reflects bank level Call Report financial data 36

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![Slide 37](civb-ex99_1s37.jpg)

Why Civista? 37

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![Slide 38](civb-ex99_1s38.jpg)

10-Year History of Civista Organic Growth supplemented with M&A Source: S&P Capital IQ Pro Civista has a history of steady organic growth supplemented with opportunistic acquisitions supporting consistent dividend increases $1.4 Acquisition: Closed July 2022 $327M in Assets Acquisition: Announced July 2025 $285M in Assets $1.5 $1.6 $1.6 $2.3 $2.6 $3.1 $3.2 $3.7 $3.9 $4.1 Acquisition: Closed March 2015 $103M in Assets Organic Assets ($B) Acquired Assets ($B) Quarterly Dividend Terminated tax refund processing: January 2024 38 Acquisition: Closed Sept. 2018 $551M in Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025

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![Slide 39](civb-ex99_1s39.jpg)

Organic Growth Model Expanded commercial loan growth in Columbus, Cleveland, Akron, Dayton, Toledo and Cincinnati markets Loan portfolios in these markets has increased from $1.27 billion in 2019 to $2.31 billion on September 30, 2025. Growth of $1.04 billion or 82% (represents 74% of Civista's total loan growth) Deposits in these markets has increased from $789 million in 2019 to $1.46 billion on September 30, 2025. Growth of $671 million or 85% (represents 43% of Civista's total deposit growth) Low cost, locally generated deposit base Core Deposits have grown 4.6% YoY Strong Net Interest Margin 3.58% for Q3 2025

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![Slide 40](civb-ex99_1s40.jpg)

Why Invest in Civista? 141-year-old community bank franchise with an established operating model in rural and growth markets Since 2019, Civista has increased total deposits $1.55 billion or 92% (72% of growth is organic) Low-cost deposit franchise (163 bps total cost of deposits (excluding brokered))\* Since 2019, Civista has increased total loans $1.4 billion or 81% (83% of growth is organic) Generating loans and deposits in each of Ohio's 6 largest MSAs Strong Earnings and Expanding Net Interest Margin Year-to-date net income of $33.9 million , an increase of $12.1 million compared to $21.8 million for the same period last year Net interest margin of 3.58% in Q3 of 2025, compared to 3.16% in Q3 2024, and 3.36% in Q4 2024 Disciplined underwriting verified with strong credit quality metrics Nonperforming loans as percent of total loans is 0.74% in Q3 2025 Strong capital position; enhanced by recent $80.5 million capital offering History of successfully acquiring and integrating banks that are accretive to earnings 6 acquisitions since 2007; announced The Farmers Savings bank acquisition in July 2025 Experienced management team with a deep bench Average banking experience of 32 years Use of LPOs to extend our reach (Westlake, Ohio and Fort Mitchell, Kentucky) Member Russell 2000 index \* Year-To-Date

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Additional Information 41

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Operating Results

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![Slide 43](civb-ex99_1s43.jpg)

Non-GAAP Reconciliation 1. LTM basis

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![Slide 44](civb-ex99_1s44.jpg)

Thank You