Risk factors

Civista Bancshares (CIVB) risk factors

Item 1A of every Civista Bancshares, Inc. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    38 risks, 1 new, 2 dropped, 3 reworded since the prior year. Civista Bancshares added internal control reporting risks following staff turnover and the CLF acquisition. The company shifted M&A risk focus from general expansion to specific FSB integration. Deposit insurance risk now explicitly references Silicon Valley Bank and Signature Bank failures.

    Filed Mar 06, 2026
  • FY2024 10-K risk factors

    39 risks. This is Civista Bancshares' initial risk filing, with a primary focus on economic, credit, cybersecurity, and regulatory risks.

    Filed Mar 10, 2025