Civista Bancshares, Inc. is a bank holding company that operates through its subsidiary Civista Bank to provide comprehensive financial services, including deposit accounts, residential and commercial lending, lease financing, wealth management, and insurance services to consumers, small-to-mid-sized businesses, farmers, and commercial real estate investors across Ohio, Indiana, and Kentucky. The company generates revenue primarily through net interest income earned on the spread between interest on loans and securities and interest paid on deposits and borrowings, supplemented by noninterest income from service charges, loan sales, lease revenue, ATM and interchange fees, and wealth management services. The company serves its markets through a network of banking offices and maintains a diversified loan portfolio secured by business assets, consumer assets, and real estate collateral.