Peer Analysis

Performance Ratios (%)	CIVB	Peer Median	Peer Average
ROAA	0.89	0.94	0.91
ROAE	6.83	8.94	9.10
Net Interest Margin	4.28	3.82	3.74
Efficiency Ratio	62.06	70.89	73.89
Loans / Deposits	89.09	89.71	88.51
Asset Quality Ratios (%)
NPAs / Assets	0.38	0.69	0.89
NCOs / Avg Loans	(0.02)	0.26	0.22
Reserves / Loans	0.88	1.03	1.02
Reserves / NPAs	160.55	99.46	111.02
Capital Ratios (%)
Tier 1 Capital	15.64	14.29	14.50
Tangible Equity / Tangible Assets	10.38	9.07	9.26
Total Equity / Total Assets	13.70	9.72	10.10
Market Ratios
Price / Earnings (x)	23.66	12.64	13.05
Price / Book (%)	116.04	109.87	113.31
Dividend Yield (%)	1.96	2.12	1.92

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 3/31/2019.

Peer financial data is as of 3/31/2019 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.