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Peer Analysis

Performance Ratios (%) CIVB Peer Median Peer Average
ROAA 0.81 1.02 0.94
ROAE 6.50 9.61 9.42
Net Interest Margin 4.15 3.84 3.76
Efficiency Ratio 63.33 70.15 73.30
Loans / Deposits 98.86 90.30 89.28
Asset Quality Ratios (%)
NPAs / Assets 0.42 0.68 0.86
NCOs / Avg Loans 0.02 0.23 0.20
Reserves / Loans 0.87 0.97 1.00
Reserves / NPAs 153.82 115.54 115.99
Capital Ratios (%)
Tier 1 Capital 15.30 11.50 13.57
Tangible Equity / Tangible Assets 10.43 9.07 9.25
Total Equity / Total Assets 13.97 9.64 10.10
Market Ratios
Price / Earnings (x) 19.71 12.59 12.11
Price / Book (%) 108.32 113.84 116.03
Dividend Yield (%) 1.79 2.05 1.89
Data for trailing four quarters

Civista Bancshares, Inc.'s peer group consists of the following: Camco Financial Corporation (CAFI), LNB Bancorp, Inc. (LNBB), NB&T Financial Group, Inc. (NBTF), Ohio Legacy Corp (OLCB), Ohio Valley Banc Corp. (OVBC), SB Financial Group, Inc. (SBFG), United Bancorp, Inc. (UBCP), United Bancshares, Inc. (UBOH)

Civista Bancshares, Inc.'s financial data is as of 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

LNB Bancorp, Inc.'s financial data is as of 6/30/2015.
NB&T Financial Group, Inc.'s financial data is as of 12/31/2014.
Camco Financial Corporation's financial data is as of 12/31/2013.
Ohio Legacy Corp's financial data is as of 12/31/2016.

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