Research · Apr 23, 2026
CIVB Q1: NIM Expands 16bps to 3.85% as Commercial Pipeline Climbs 102% YoY
Civista Bancshares Q1 2026 NIM expanded 16 bps to 3.85%. NII $37.8M (+15% YoY, +4% QoQ). Commercial loan pipeline +102% YoY, residential mortgage pipeline +25%. Cost of funds down 35 bps YoY to 1.96%. Farmer's Savings Bank conversion complete. Q1 EPS $0.72. Thread confirming; Q2 watch is NIM in mid-to-upper 380s and loan growth conversion.