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Capital Requirements and Restriction on Retained Earnings (Tables)
12 Months Ended
Dec. 31, 2023
Capital Requirements And Restriction On Retained Earnings [Abstract]  
Actual Capital Levels and Minimum Required Capital Levels

The Company’s and Civista’s actual capital levels and minimum required capital levels at December 31, 2023 and 2022 were as follows:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

To Be Well

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Capitalized Under

 

 

 

 

 

 

 

 

 

For Capital

 

 

Prompt Corrective

 

 

 

Actual

 

 

Adequacy Purposes

 

 

Action Purposes

 

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

2023

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Risk Based Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

429,080

 

 

 

14.4

%

 

$

237,604

 

 

 

8.0

%

 

n/a

 

 

n/a

 

Civista

 

 

400,047

 

 

 

13.5

 

 

 

236,568

 

 

 

8.0

 

 

$

295,710

 

 

 

10.0

%

Tier I Risk Based Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

318,322

 

 

 

10.7

 

 

 

178,203

 

 

 

6.0

 

 

n/a

 

 

n/a

 

Civista

 

 

363,033

 

 

 

12.3

 

 

 

177,426

 

 

 

6.0

 

 

 

236,568

 

 

 

8.0

 

CET1 Risk Based Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

288,895

 

 

 

9.7

 

 

 

133,652

 

 

 

4.5

 

 

n/a

 

 

n/a

 

Civista

 

 

363,033

 

 

 

12.3

 

 

 

133,069

 

 

 

4.5

 

 

 

192,211

 

 

 

6.5

 

Leverage

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

318,322

 

 

 

8.8

 

 

 

145,489

 

 

 

4.0

 

 

n/a

 

 

n/a

 

Civista

 

 

363,033

 

 

 

10.0

 

 

 

145,245

 

 

 

4.0

 

 

 

181,556

 

 

 

5.0

 

2022

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total Risk Based Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

$

395,125

 

 

 

14.1

%

 

$

217,681

 

 

 

8.0

%

 

n/a

 

 

n/a

 

Civista

 

 

366,377

 

 

 

12.9

 

 

 

219,357

 

 

 

8.0

 

 

$

274,196

 

 

 

10.0

%

Tier I Risk Based Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

293,164

 

 

 

10.4

 

 

 

163,261

 

 

 

6.0

 

 

n/a

 

 

n/a

 

Civista

 

 

337,866

 

 

 

11.9

 

 

 

164,517

 

 

 

6.0

 

 

 

219,357

 

 

 

8.0

 

CET1 Risk Based Capital

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

263,736

 

 

 

9.4

 

 

 

122,446

 

 

 

4.5

 

 

n/a

 

 

n/a

 

Civista

 

 

337,866

 

 

 

11.9

 

 

 

123,388

 

 

 

4.5

 

 

 

178,227

 

 

 

6.5

 

Leverage

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consolidated

 

 

293,164

 

 

 

8.7

 

 

 

131,479

 

 

 

4.0

 

 

n/a

 

 

n/a

 

Civista

 

 

337,866

 

 

 

10.0

 

 

 

131,240

 

 

 

4.0

 

 

 

164,050

 

 

 

5.0