In the 2025 annual reportThe yearly report a listed company files with the SEC, called a 10-K. It describes the business, its risks and its results.
Mentions AI
No
0 passages
Highest detail levelHow specific a passage is about AI at this bank. General: could be in any bank's report. Names an area: says where AI is used or how it is controlled. Concrete example: names a tool or vendor, gives a number, a date or a result.
None
What it says
Nothing
Kinds of AI named
None named
How AI is controlled
Not described
AI in its annual reports over time
What this shows
How many passages about AI each annual report contains, 2022 to 2025, by what they say.
What it means
0 passages in 2022, 0 passages in 2025.
How to read it
Each bar is a report year, split by what the passages say. Hover or tap a bar for the count.
Where it comes from
Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
Passages about AI in Civista Bancshares, Inc.'s annual reports, by report year.Show as a table
Report year
Using or planning AI
Explains how AI is controlled
Sees AI as a risk
Other mentions
2022
2022
2022
2022
2023
2023
2023
2023
2024
2024
2024
2024
2025
2025
2025
2025
Compared with banks of its size
What this shows
This bank's 2025 annual report next to all 221 banks of its size ($1B to $50B).
What it means
This bank does not give detail about AI.
How to read it
Yes or no for this bank; the share of banks of the same size for comparison.
Where it comes from
Banks' annual reports (10-K) filed with the SEC, up to 6 Oct 2026. How we did this
In the 2025 report
This bank
Banks of its size
Using AI now
No
26 of 221 (12%)
Explains how AI is controlled
No
55 of 221 (25%)
Sees AI as a risk
No
184 of 221 (83%)
Mentions generative AI
No
112 of 221 (51%)
Mentions AI agents
No
18 of 221 (8%)
What changed from 2024
0 passages new in the 2025 report, 0 passages from the 2024 report no longer there.
Every passage about AI
What this shows
All 14 passages about AI in this bank's annual reports, quarterly reports and earnings materials since 2023, newest first.
What it means
13 passages say the bank is using AI now.
How to read it
Highlighted words are the terms that matched. Labels show what each passage says. Follow the link to read it in the filing.
Where it comes from
Banks' annual reports (10-K), quarterly reports (10-Q) and earnings materials (8-K) filed with the SEC. How we did this
Investor presentation, Q4 2025 filed 4 Nov 2025
Initiatives in Flight Earnings Improvement Net income increased $12.2 million or 55.8% YoY (YTD) EPS increased 48% or about $0.66 YoY (YTD) Non-interest income 19% of total Revenue (YTD 2025) NIM % above peer median for each of last 5 years Loan pricing above peer median, Deposit cost below peer median Expense Management Eliminated contract help due to leasing conversion, reducing expenses by $350,000/qtr Replaced after hour and overflow calls with an AI virtual banking assistant saving an estimated $315,000 annually Renegotiated general insurance with no reduction in coverage saving $160,000 Closed branch in Dec. 2024, $142,000 of projected savings in 2025 Closed accounts purged off core system resulting in $90,000 savings Implemented improved and optimized Fraud prevention Low/Lower Cost Funding July 2025 - Launched MANTL online deposit account opening platform Announced acquisition of The Farmers Savings Bank scheduled for Q4 2025 46% loan to deposit ratio 1.72% cost of deposits Ohio Homebuyer Plus Program 800 accounts equating to $80 million in deposits at a rate of 168 bps* Additional $14 million customer deposits; about 35% of customers are new to bank Wealth Management Cash Balances Transferred ~ $80 million in deposits to balance sheet from our wealth management clients’ cash balances (formally held outside the Bank) Other – Focused Marketing to: Public fund operating accounts Loan customers with low/no deposit balances * 168 bps average as of September 30, 2025
Using AI nowDetail: Concrete exampleChatbots and assistantsCustomer serviceSame as last periodNew since the annual report
Financial Trends Non-interest income 20% of revenue over last twelve months; across diverse revenue streams Gain on Sale of Loans and Leases Gain on sale of mortgages, 2025 Q3 and 2024 Q3 was $803 thousand and $654 thousand, respectively Gain on sale of leases, 2025 Q3 and 2024 Q3 was $607 thousand and $715 thousand, respectively Wealth Management $1.40 million 2025 Q3 and $1.44 million 2024 Q3 Interchange Income $1.44 million 2025 Q3 and $1.40 million 2024 Q3 Fee income platform Service charges on deposit accounts increased 4.5% from $1.7 million 2025 Q3 and $1.6 million 2024 Q3 Continued focus on review of branch network Identified efficiencies in operations Robotic Process Automation AI / Chat bot Leasing system upgrade Non-Interest Income Efficiency ratio of 61.4% in Q3 2025, compared to 70.2% in Q3 2024 Disciplined approach to controlling non-interest expense Replaced after hour and overflow calls with an AI virtual banking assistant saving $210,000 annually Renegotiated general insurance while maintaining equivalent coverage saving $165,000 from 2023 Reduction in expenses due to branch closings saving $238,000 annually Non-Interest Expense
Using AI nowDetail: Concrete exampleChatbots and assistantsProcess automationCustomer serviceOperationsSame as last periodNew since the annual report
Initiatives in Flight Earnings Improvement Net income increased $7.8 million or 57.8% YoY (YTD) EPS has grown for 5 consecutive quarters Non-interest income 18% of total Revenue (YTD 2025) NIM % above peer median for each of last 5 years Loan pricing above peer median, Deposit cost below peer median Expense Management Eliminated contract help due to leasing conversion, reducing expenses by $350,000/qtr Replaced after hour and overflow calls with an AI virtual banking assistant saving an estimated $315,000 annually Renegotiated general insurance with no reduction in coverage saving $160,000 Closed branch in Dec. 2024, $142,000 of projected savings in 2025 Closed accounts purged off core system resulting in $90,000 savings Implemented improved and optimized Fraud prevention Low/Lower Cost Funding July 2025 - Launched MANTL online deposit account opening platform Announced acquisition of The Farmers Savings Bank scheduled for Q4 2025 46% loan to deposit ratio 1.72% cost of deposits Ohio Homebuyer Plus Program Opened 900 accounts equating to $90 million in deposits at a rate of 102 bps* Additional $14 million customer deposits; about 35% of customers are new to bank Wealth Management Cash Balances Transferred ~ $80 million in deposits to balance sheet from our wealth management clients’ cash balances (formally held outside the Bank) Other – Focused Marketing to: Public fund operating accounts Loan customers with low/no deposit balances * 102 bps as of June 30, 2025
Using AI nowDetail: Concrete exampleChatbots and assistantsCustomer serviceOperationsNew this periodNew since the annual report
Financial Trends Non-interest income 21% of revenue over last twelve months; across diverse revenue streams Gain on Sale of Loans and Leases Gain on sale of mortgages, 2025 Q2 and 2024 Q2 was $534 thousand and $447 thousand, respectively Gain on sale of leases, 2025 Q2 and 2024 Q2 was $282 thousand and $386 thousand, respectively Wealth Management $1.33 million 2025 Q2 and $1.34 million 2024 Q2 Interchange Income $1.42 million 2025 Q2 and $1.42 million 2024 Q2 Fee income platform Service charges on deposit accounts increased 5.2% from $1.6 million 2025 Q2 and $1.5 million 2024 Q2 Continued focus on review of branch network Identified efficiencies in operations Robotic Process Automation AI / Chat bot Leasing system upgrade Non-Interest Income Efficiency ratio of 64.5% in Q2 2025, compared to 72.6% in Q2 2024 Disciplined approach to controlling non-interest expense Replaced after hour and overflow calls with an AI virtual banking assistant saving $210,000 annually Renegotiated general insurance while maintaining equivalent coverage saving $165,000 from 2023 Reduction in expenses due to branch closings saving $238,000 annually Non-Interest Expense
Using AI nowDetail: Concrete exampleChatbots and assistantsProcess automationCustomer serviceOperationsNew this periodNew since the annual report
Initiatives in Flight Earnings Improvement Net income increased $7.8 million or 57.8% YoY (YTD) EPS has grown for 5 consecutive quarters Non-interest income 18% of total Revenue (YTD 2025) NIM % above peer median for each of last 5 years Loan pricing above peer median, Deposit cost below peer median Expense Management Eliminated contract help due to leasing conversion, reducing expenses by $350,000/qtr Replaced after hour and overflow calls with an AI virtual banking assistant saving an estimated $315,000 annually Renegotiated general insurance with no reduction in coverage saving $160,000 Closed branch in Dec. 2024, $142,000 of projected savings in 2025 Closed accounts purged off core system resulting in $90,000 savings Implemented improved and optimized Fraud prevention Low/Lower Cost Funding July 2025 - Launched MANTL online deposit account opening platform Announced acquisition of The Farmers Savings Bank scheduled for Q4 2025 46% loan to deposit ratio 1.72% cost of deposits Ohio Homebuyer Plus Program Opened 900 accounts equating to $90 million in deposits at a rate of 102 bps* Additional $14 million customer deposits; about 35% of customers are new to bank Wealth Management Cash Balances Transferred ~ $80 million in deposits to balance sheet from our wealth management clients’ cash balances (formally held outside the Bank) Other – Focused Marketing to: Public fund operating accounts Loan customers with low/no deposit balances * 102 bps as of June 30, 2025
Using AI nowDetail: Concrete exampleChatbots and assistantsCustomer serviceOperationsNew this periodNew since the annual report
Financial Trends Non-interest income 21% of revenue over last twelve months; across diverse revenue streams Gain on Sale of Loans and Leases Gain on sale of mortgages, 2025 Q2 and 2024 Q2 was $534 thousand and $447 thousand, respectively Gain on sale of leases, 2025 Q2 and 2024 Q2 was $282 thousand and $386 thousand, respectively Wealth Management $1.33 million 2025 Q2 and $1.34 million 2024 Q2 Interchange Income $1.42 million 2025 Q2 and $1.42 million 2024 Q2 Fee income platform Service charges on deposit accounts increased 5.2% from $1.6 million 2025 Q2 and $1.5 million 2024 Q2 Continued focus on review of branch network Identified efficiencies in operations Robotic Process Automation AI / Chat bot Leasing system upgrade Non-Interest Income Efficiency ratio of 64.5% in Q2 2025, compared to 72.6% in Q2 2024 Disciplined approach to controlling non-interest expense Replaced after hour and overflow calls with an AI virtual banking assistant saving $210,000 annually Renegotiated general insurance while maintaining equivalent coverage saving $165,000 from 2023 Reduction in expenses due to branch closings saving $238,000 annually Non-Interest Expense
Using AI nowDetail: Concrete exampleChatbots and assistantsProcess automationCustomer serviceOperationsNew this periodNew since the annual report
Initiatives in Flight * 104 bps as of March 31, 2025 – – – – – – Revenue Improvement Improved Leasing Revenue 13.3% YoY Leasing Syndication Desk Launch of Small business initiative Expense Reduction Elimination of accounting temporary help as a result of personnel transitions, reducing expenses by $600,000 Replaced after hour and overflow calls with an AI virtual banking assistant saving an estimated $315,000 annually Renegotiated general insurance with no reduction in coverage saving $160,000 Closed branch in Dec. 2024, $142,000 of projected savings in 2025 Manage/reduce overtime and staffing saving $133,000 from 2023 to 2024 Closed accounts purged off core system resulting in $90,000 savings Implemented improved and optimized Fraud prevention • Low/Lower Cost Funding • • • – Ohio Homebuyer Plus Program Launched May 6, 2024 Opened 900 accounts equating to $90 million in deposits at a rate of 104 bps* Additional $10 million customer deposits; about 35% of customers are new to bank Wealth Management Cash Balances Transferred ~ $80 million in deposits to balance sheet from our wealth management clients’ cash balances (formally held outside the Bank) • • – Other – Focused Marketing to: Public Fund Operating Accounts Loan Customers with low/no deposit balances
Using AI nowDetail: Concrete exampleChatbots and assistantsCustomer serviceSame as last periodNew since the annual report
Financial Trends Gain on Sale of Loans and Leases Gain on sale of mortgages, 2025 Q1 and 2024 Q1 was $309 thousand and $373 thousand, respectively Gain on sale of leases, 2025 Q1 and 2024 Q1 was $270 million and $440 thousand, respectively Wealth Management $1.34 million 2025 Q1 and $1.27 million 2024 Q1 Lease Revenue and Residual Income $1.90 million 2025 Q1 and $1.67 million 2024 Q1 Interchange Income $1.32 million 2025 Q1 and $1.38 million 2024 Q1 Fee income platform Service charges on deposit accounts were $1.52 million 2025 Q1 and $1.44 million 2024 Q1 Continued focus on review of branch network Identified efficiencies in operations Robotic Process Automation AI / Chat bot Leasing system upgrade Non-Interest Income Disciplined approach to controlling non-interest expense Replaced after hour and overflow calls with an AI virtual banking assistant saving $210,000 annually Manage/reduce overtime and staffing saving $133,000 in 2024 Renegotiated general insurance while maintaining equivalent coverage saving $165,000 from 2023 Reduction in expenses due to branch closings saving $238,000 annually Non-Interest Expense 29
Using AI nowDetail: Concrete exampleChatbots and assistantsProcess automationCustomer serviceOperationsSame as last periodNew since the annual report
Initiatives in Flight * 104 bps as of March 31, 2025 – – – – – – Revenue Improvement Improved Leasing Revenue 13.3% YoY Leasing Syndication Desk Launch of Small business initiative Expense Reduction Elimination of accounting temporary help as a result of personnel transitions, reducing expenses by $600,000 Replaced after hour and overflow calls with an AI virtual banking assistant saving an estimated $315,000 annually Renegotiated general insurance with no reduction in coverage saving $160,000 Closed branch in Dec. 2024, $142,000 of projected savings in 2025 Manage/reduce overtime and staffing saving $133,000 from 2023 to 2024 Closed accounts purged off core system resulting in $90,000 savings Implemented improved and optimized Fraud prevention • Low/Lower Cost Funding • • • – Ohio Homebuyer Plus Program Launched May 6, 2024 Opened 900 accounts equating to $90 million in deposits at a rate of 104 bps* Additional $10 million customer deposits; about 35% of customers are new to bank Wealth Management Cash Balances Transferred ~ $80 million in deposits to balance sheet from our wealth management clients’ cash balances (formally held outside the Bank) • • – Other – Focused Marketing to: Public Fund Operating Accounts Loan Customers with low/no deposit balances
Using AI nowDetail: Concrete exampleChatbots and assistantsCustomer serviceNew this periodNew since the annual report
Financial Trends Gain on Sale of Loans and Leases Gain on sale of mortgages, 2025 Q1 and 2024 Q1 was $309 thousand and $373 thousand, respectively Gain on sale of leases, 2025 Q1 and 2024 Q1 was $270 million and $440 thousand, respectively Wealth Management $1.34 million 2025 Q1 and $1.27 million 2024 Q1 Lease Revenue and Residual Income $1.90 million 2025 Q1 and $1.67 million 2024 Q1 Interchange Income $1.32 million 2025 Q1 and $1.38 million 2024 Q1 Fee income platform Service charges on deposit accounts were $1.52 million 2025 Q1 and $1.44 million 2024 Q1 Continued focus on review of branch network Identified efficiencies in operations Robotic Process Automation AI / Chat bot Leasing system upgrade Non-Interest Income Disciplined approach to controlling non-interest expense Replaced after hour and overflow calls with an AI virtual banking assistant saving $210,000 annually Manage/reduce overtime and staffing saving $133,000 in 2024 Renegotiated general insurance while maintaining equivalent coverage saving $165,000 from 2023 Reduction in expenses due to branch closings saving $238,000 annually Non-Interest Expense 29
Using AI nowDetail: Concrete exampleChatbots and assistantsProcess automationCustomer serviceOperationsNew this periodNew since the annual report
Initiatives in Flight Revenue Improvement Increased Fee Income Treasury management fees 28.4% YoY Wealth management fees 15.8% YoY Launch of Small business initiative Leasing Syndication Desk Expense Reduction Replaced after hour and overflow calls with an AI virtual banking assistant saving an estimated $210,000 annually Closed branch in Dec. 2024, $238,000 of projected savings in 2025 Manage/reduce overtime and staffing saving $133 thousand from 2023 to 2024 Implemented improved and optimized Fraud prevention Renegotiated general insurance with no reduction in coverage saving $165,000 Low/Lower Cost Funding Reduced average FHLB borrowings approx. 45% in Q4 2024 ($388 million to $214 million) Ohio Homebuyer Plus Program Launched May 6, 2024 Opened 1,000 accounts equating to $100 million in deposits at a rate of 80 bps* Additional $10 million customer deposits; about 35% of customers are new to bank Wealth Management Cash Balances Transferred ~ $87 million in deposits to balance sheet from our wealth management clients’ cash balances (formally held outside the Bank) Other – Focused Marketing to: Public Fund Operating Accounts Loan Customers with low/no deposit balances * 80 bps as of Dec 31,2024
Using AI nowDetail: Concrete exampleChatbots and assistantsCustomer serviceOperationsNew this periodNew since the annual report
Financial Trends Gain on Sale of Loans and Leases Gain on sale of mortgages, 2024 and 2023 was $2.4 million and $1.2 million, respectively Gain on sale of leases, 2024 and 2023 was $2.1 million and $1.7 million, respectively Wealth Management $5.5 million 2024 and $4.8 million 2023 Lease Revenue and Residual Income $8.9 million 2024 and $7.6 million 2023 Interchange Income $5.8 million 2024 and $5.9 million 2023 Fee income platform Service charges on deposit accounts were $6.1 million 2024 and $7.2 million 2023 (on $1.4 million less NSF Fees) Continued focus on review of branch network Identified efficiencies in operations Robotic Process Automation AI / Chat bot Leasing system upgrade Non-Interest Income Disciplined approach to controlling non-interest expense Replaced after hour and overflow calls with an AI virtual banking assistant saving $210,000 annually Manage/reduce overtime and staffing saving $133,000 in 2024 Renegotiated general insurance while maintaining equivalent coverage saving $165,000 from 2023 Reduction in expenses due to branch closings saving $238,000 annually Non-Interest Expense
Using AI nowDetail: Concrete exampleChatbots and assistantsProcess automationCustomer serviceOperationsNew this periodNew since the annual report
Financial Trends 1. 2021 efficiency ratio is adjusted for nonrecurring items; 2022 efficiency ratio is adjusted for merger related expenses. Page 42 and 43 show Non-GAAP reconciliations Fee income platform Service charges on deposit accounts were $4.5 million YTD 2024 and $5.5 million YTD 2023 (on $1.8 million less NSF Fees) Gain on Sale of Loans and Leases Gain on sale of mortgages, YTD 2024 and 2023 was $1.6 million and $0.9 million, respectively Gain on sale of leases, YTD 2024 and 2023 was $1.5 million and $1.1 million Wealth Management $4.1 million YTD 2024 and $3.6 million YTD 2023 Lease Revenue and Residual Income $7.6 million YTD 2024 and $6.2 million YTD 2023 Interchange Income $4.2 million YTD 2024 and $4.2 million YTD 2023 Disciplined approach to controlling non-interest expense Routing overflow calls to our retail staff Manage/reduce overtime and staffing Continued focus on review of branch network Revenue Improvement Service Charges Leasing Syndication Desk Facilitate higher gains on sales of leases and loans Identified efficiencies in operations RPA / Robotic Process Automation AI / Chat bot Leasing system upgrade Non-Interest Income and Expense Non-Interest Expense and Efficiency Ratio1 Q3 2024 includes $800 expense for establishment of reserve; approx. 2% impact to efficiency ratio
Testing or planning AIDetail: Names an areaProcess automationChatbots and assistantsOperationsCustomer serviceNew this periodNew since the annual report
Investing for the future Continue to invest in technology that: Automates work to improve scalability & capability Enhance customer experience Upgraded AI-chatbot to a new platform Identified additional Robotic Process Automation (RPAs) Established new Small Business Lending Platform for Origination & Workflow – soft launch Upgraded fraud detection and workflow tools Expanded electronic signatures capabilities – Wire Transfer Introduced Mortgage Application Text Notifications for status updates
Using AI nowDetail: Names an areaChatbots and assistantsProcess automationCustomer serviceFraud detectionOperationsNew this periodNew since the annual report
4 passages in legal noticesThe forward-looking statements notice at the start or end of a filing. It often lists AI among many risks. It is never counted., not counted
Executing our Growth Strategy Business & Strategy Revenue & Relationship Growth Expands low‑cost funding, fees, and customer value Digital deposit account opening across channels Deposit redesign and debit card utilization Payments upgrades driving engagement and fees Financial Outcome: NIM +25 bps YoY to 3.89% (2Q25 to 2Q26) Efficiency & Operating Leverage Improves scalability and drives efficiency gains RPA and AI driving operating leverage Financial systems transformation for scalability Process standardization for sustained efficiency Financial Outcome: Efficiency ratio gains; growth‑ready platform Execution, Risk & Scalability Supports disciplined growth and integration Talent upskilling to drive growth and manage risk Platform scalability supporting integration Financial Outcome: ~$268M assets added from FSB acquisition, alongside core organic growth Grow Relationships & Deposits Position Digital to Grow the Bank Invest in Talent & Culture Leverage Technology to Optimize Profitability
Executing our Growth Strategy Business & Strategy Revenue & Relationship Growth Expands low‑cost funding, fees, and customer value Digital deposit account opening across channels Deposit redesign and debit card utilization Payments upgrades driving engagement and fees Financial Outcome: NIM +25 bps YoY to 3.89% (2Q25 to 2Q26) Efficiency & Operating Leverage Improves scalability and drives efficiency gains RPA and AI driving operating leverage Financial systems transformation for scalability Process standardization for sustained efficiency Financial Outcome: Efficiency ratio gains; growth‑ready platform Execution, Risk & Scalability Supports disciplined growth and integration Talent upskilling to drive growth and manage risk Platform scalability supporting integration Financial Outcome: ~$268M assets added from FSB acquisition, alongside core organic growth Grow Relationships & Deposits Position Digital to Grow the Bank Invest in Talent & Culture Leverage Technology to Optimize Profitability
Executing our Growth Strategy Business & Strategy Revenue & Relationship Growth Expands low‑cost funding, fees, and customer value Digital deposit account opening across channels Deposit redesign and debit card utilization Payments upgrades driving engagement and fees Financial Outcome: NIM +34 bps YoY to 3.85% (1Q25 to 1Q26) Efficiency & Operating Leverage Improves scalability and drives efficiency gains RPA and AI driving operating leverage Financial systems transformation for scalability Process standardization for sustained efficiency Financial Outcome: Efficiency ratio gains; growth‑ready platform Execution, Risk & Scalability Supports disciplined growth and integration Talent upskilling to drive growth and manage risk Platform scalability supporting integration Financial Outcome: ~$268M assets added from FSB acquisition, alongside core organic growth Grow Relationships & Deposits Position Digital to Grow the Bank Invest in Talent & Culture Leverage Technology to Optimize Profitability
Executing our Growth Strategy Business & Strategy Revenue & Relationship Growth Expands low‑cost funding, fees, and customer value Digital deposit account opening across channels Deposit redesign and debit card utilization Payments upgrades driving engagement and fees Financial Outcome: NIM +34 bps YoY to 3.85% (1Q25 to 1Q26) Efficiency & Operating Leverage Improves scalability and drives efficiency gains RPA and AI driving operating leverage Financial systems transformation for scalability Process standardization for sustained efficiency Financial Outcome: Efficiency ratio gains; growth‑ready platform Execution, Risk & Scalability Supports disciplined growth and integration Talent upskilling to drive growth and manage risk Platform scalability supporting integration Financial Outcome: ~$268M assets added from FSB acquisition, alongside core organic growth Grow Relationships & Deposits Position Digital to Grow the Bank Invest in Talent & Culture Leverage Technology to Optimize Profitability