CIVB

Civista Bancshares, Inc. is a financial holding company. The Company, through its subsidiary, Civista Bank, is primarily engaged in the business of community banking. Civista Bank is located in the Ohio counties of Erie, Crawford, Champaign, Cuyahoga, Franklin, Huron, Logan, Madison, Montgomery, Ottawa, Richland and Summit, in the Indiana counties of Dearborn and Ripley and in the Kentucky county of Kenton. It conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. It offers a range of deposit and loan products and other banking services. These include personal and commercial checking accounts, retirement accounts, money market accounts, time and savings accounts, safe deposit boxes, wire transfers, access to automated teller services, Internet banking, telephone banking, and mobile/digital banking. Civista also offers remote deposit capture banking for both retail and business customers.