Brendan Nosal

Manuel Navas

Justin Crowley

Terence McEvoy

Timothy Switzer

Daniel Cardenas

Emily Lee

Terry McEvoy

Tim Switzer

- Civista Bancshares, Inc. reported **Second-Quarter 2025 Financial Results** with **$0.71 per Common Share**, representing a **58%** increase from Second-Quarter 2024.  **[944745_0001193125-25-203738_civb-ex99_2.htm:0]**  The company's net interest margin was **3.64%** in Q2 2025, up from **3.09%** in Q2 2024.  **[944745_0001193125-25-203738_civb-ex99_1.htm:2]** **[944745_0001193125-25-203738_civb-ex99_1.htm:7]** 
- The company announced an agreement to acquire **The Farmers Savings Bank**, with the acquisition anticipated to close in **Q4 2025**.  **[944745_0001193125-25-203738_civb-ex99_2.htm:0]**  This strategic move is expected to result in **high single-digit EPS accretion** and a combined asset base of **$4.5 billion**.  **[944745_0001193125-25-203738_civb-ex99_1.htm:2]** 
- In July 2025, Civista Bancshares launched a public offering of common shares, raising an aggregate of **$80.5 million** from approximately **3.8 million common shares** at a price of **$21.25**.  **[944745_0001193125-25-203738_civb-ex99_2.htm:0]**  This capital raise immediately reduced overnight borrowings, generating interest expense savings of approximately **$800K per quarter**.  **[944745_0001193125-25-203738_civb-ex99_2.htm:0]** 
- As of June 30, 2025, Civista maintained a strong capital position with a **Tier 1 risk-based capital ratio of 11.18%** and a **Total risk-based capital ratio of 14.73%**.  **[944745_0001193125-25-203738_civb-ex99_1.htm:4]**  Proforma capital ratios, following the Farmers acquisition and capital raise, show a Tangible Common Equity / Tangible Assets of **8.6%**.  **[944745_0001193125-25-203738_civb-ex99_1.htm:4]**

Civista Bancshares Reports Strong Q2 2025 Earnings and Announces Strategic Acquisition and Capital Raise

CIVISTA BANCSHARES (CIVB)