Civista Bancshares Inc - Asset Resilience Ratio

Latest as of December 2025: 15.79%

Civista Bancshares Inc (CIVB) has an Asset Resilience Ratio of 15.79% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See CIVB current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

$684.60 Million

Cash + Short-term Investments

Total Assets

$4.34 Billion

All company assets

Resilience Assessment

Good

Financial Resilience Level

Asset Resilience Ratio Trend (2000–2025)

This chart shows how Civista Bancshares Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see CIVB current and non-current assets.

Liquid Assets Composition Over Time

This chart breaks down Civista Bancshares Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore CIVB long-term asset investment ratio to see how much of total assets are deployed in long-term investments.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$684.60 Million	15.79%
Total Liquid Assets	$684.60 Million	15.79%

Asset Resilience Insights

Good Liquidity Position: Civista Bancshares Inc maintains a healthy 15.79% of assets in liquid form.
This level provides good financial flexibility while maintaining productive asset deployment.
The company has significant short-term investments, indicating active treasury management.

Civista Bancshares Inc Industry Peers by Asset Resilience Ratio

Compare Civista Bancshares Inc's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
China Merchants Bank Co. Ltd F:M4B	Banks - Regional	2.14%
Hana Financial KO:086790	Banks - Regional	3.29%
Bank of Hangzhou Co Ltd SHG:600926	Banks - Regional	7.20%
King’s Town Bank TW:2809	Banks - Regional	-9.61%
Sparebanken Vest OL:SVEG	Banks - Regional	0.05%
Graubuendner Kantonalbank SW:GRKP	Banks - Regional	-38.39%
TF Bank AB ST:TFBANK	Banks - Regional	-0.15%
Bank Bumi Arta Tbk JK:BNBA	Banks - Regional	11.96%

Annual Asset Resilience Ratio for Civista Bancshares Inc (2000–2025)

The table below shows the annual Asset Resilience Ratio data for Civista Bancshares Inc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	15.79%	$684.60 Million	$4.34 Billion	+9.31pp
2024-12-31	6.47%	$265.34 Million	$4.10 Billion	-9.54pp
2023-12-31	16.01%	$618.27 Million	$3.86 Billion	-1.38pp
2022-12-31	17.39%	$615.40 Million	$3.54 Billion	-1.19pp
2021-12-31	18.58%	$559.87 Million	$3.01 Billion	+5.46pp
2020-12-31	13.13%	$363.46 Million	$2.77 Billion	-2.40pp
2019-12-31	15.52%	$358.50 Million	$2.31 Billion	-0.72pp
2018-12-31	16.24%	$347.36 Million	$2.14 Billion	+1.10pp
2017-12-31	15.14%	$231.06 Million	$1.53 Billion	+0.92pp
2016-12-31	14.22%	$195.86 Million	$1.38 Billion	-0.71pp
2015-12-31	14.93%	$196.25 Million	$1.31 Billion	-1.37pp
2014-12-31	16.29%	$197.91 Million	$1.21 Billion	-0.80pp
2013-12-31	17.10%	$199.61 Million	$1.17 Billion	-0.84pp
2012-12-31	17.94%	$203.96 Million	$1.14 Billion	-0.45pp
2011-12-31	18.39%	$204.63 Million	$1.11 Billion	+16.74pp
2007-12-31	1.64%	$18.41 Million	$1.12 Billion	-1.75pp
2005-12-31	3.40%	$25.51 Million	$750.94 Million	+2.18pp
2004-12-31	1.22%	$9.95 Million	$817.51 Million	-0.73pp
2002-12-31	1.95%	$12.70 Million	$651.63 Million	+0.71pp
2001-12-31	1.24%	$6.03 Million	$487.67 Million	+1.23pp
2000-12-31	0.01%	$51.00K	$489.26 Million	--

pp = percentage points

About Civista Bancshares Inc

NASDAQ:CIVB USA Banks - Regional

Market Cap

$667.27 Million

Market Cap Rank

#11445 Global

#2927 in USA

Share Price

$27.06

Change (1 day)

+0.00%

52-Week Range

$19.97 - $29.30

All Time High

$29.30