Civista Bancshares Inc (CIVB) — Working Capital to Net Assets Ratio
Civista Bancshares Inc (CIVB) has a Working Capital to Net Assets ratio of 107.8% as of December 2025. Working capital of $585.70 Million (current assets of $761.92 Million minus current liabilities of $176.22 Million) is measured against net assets of $543.47 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See CIVB net asset quality index to measure how much of total assets are equity-financed.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Civista Bancshares Inc Working Capital to Net Assets (1996–2025)
This chart shows how Civista Bancshares Inc's Working Capital to Net Assets ratio has evolved across 30 annual periods from 1996 to 2025. As of December 2025, the ratio stands at 107.8%, reflecting working capital of $585.70 Million against net assets of $543.47 Million USD. Check tangible net worth ratio of Civista Bancshares Inc to evaluate the tangible quality of the company's equity base.
Annual Working Capital to Net Assets for Civista Bancshares Inc (1996–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Civista Bancshares Inc from 1996 to 2025, covering 30 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see Civista Bancshares Inc stock valuation.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 107.8% | $585.70 Million | $543.47 Million | $761.92 Million | $176.22 Million | ▲ +921.6 pp |
| 2024 | -813.9% | $-3.16 Billion | $388.50 Million | $388.94 Million | $3.55 Billion | ▼ -121.4 pp |
| 2023 | -692.5% | $-2.58 Billion | $372.00 Million | $747.07 Million | $3.32 Billion | ▼ -786.4 pp |
| 2022 | 93.9% | $314.51 Million | $334.84 Million | $708.22 Million | $393.70 Million | ▲ +557.2 pp |
| 2021 | -463.2% | $-1.65 Billion | $355.21 Million | $822.45 Million | $2.47 Billion | ▲ +34.2 pp |
| 2020 | -497.4% | $-1.74 Billion | $350.11 Million | $501.11 Million | $2.24 Billion | ▼ -72.7 pp |
| 2019 | -424.7% | $-1.40 Billion | $330.13 Million | $414.13 Million | $1.82 Billion | ▼ -417.7 pp |
| 2018 | -7.0% | $-20.96 Million | $298.90 Million | $1.66 Billion | $1.68 Billion | ▼ -8.8 pp |
| 2017 | 1.8% | $3.23 Million | $184.46 Million | $1.23 Billion | $1.23 Billion | ▼ -2.5 pp |
| 2016 | 4.2% | $5.79 Million | $137.62 Million | $1.12 Billion | $1.11 Billion | ▼ -395.0 pp |
| 2015 | 399.2% | $503.23 Million | $126.07 Million | $1.06 Billion | $555.66 Million | ▼ -408.6 pp |
| 2014 | 807.8% | $952.43 Million | $117.91 Million | $964.55 Million | $12.12 Million | ▲ +1379.8 pp |
| 2013 | -572.0% | $-734.34 Million | $128.38 Million | $237.68 Million | $972.02 Million | ▲ +110.3 pp |
| 2012 | -682.3% | $-709.50 Million | $103.98 Million | $253.80 Million | $963.30 Million | ▼ -28.7 pp |
| 2011 | -653.7% | $-670.18 Million | $102.53 Million | $260.55 Million | $930.73 Million | ▲ +213.3 pp |
| 2010 | -866.9% | $-840.51 Million | $96.95 Million | $83.41 Million | $923.92 Million | ▲ +0.3 pp |
| 2009 | -867.3% | $-856.86 Million | $98.80 Million | $32.37 Million | $889.22 Million | ▲ +235.8 pp |
| 2008 | -1103.1% | $-845.17 Million | $76.62 Million | $32.41 Million | $877.59 Million | ▼ -441.2 pp |
| 2007 | -661.9% | $-834.99 Million | $126.16 Million | $34.49 Million | $869.47 Million | ▲ +53.3 pp |
| 2006 | -715.2% | $-568.38 Million | $79.47 Million | $23.00 Million | $591.39 Million | ▼ -59.3 pp |
| 2005 | -655.9% | $-571.31 Million | $87.11 Million | $24.66 Million | $595.97 Million | ▲ +94.5 pp |
| 2004 | -750.3% | $-661.88 Million | $88.21 Million | $30.49 Million | $692.37 Million | ▼ -3.7 pp |
| 2003 | -746.6% | $-516.08 Million | $69.12 Million | $26.13 Million | $542.20 Million | ▼ -7.3 pp |
| 2002 | -739.3% | $-530.00 Million | $71.69 Million | $28.59 Million | $558.59 Million | ▲ +79.4 pp |
| 2001 | -818.7% | $-398.91 Million | $48.73 Million | $23.11 Million | $422.02 Million | ▲ +32.0 pp |
| 2000 | -850.6% | $-407.67 Million | $47.92 Million | $19.85 Million | $427.52 Million | ▼ -18.9 pp |
| 1999 | -831.8% | $-400.87 Million | $48.20 Million | $18.33 Million | $419.20 Million | ▼ -116.4 pp |
| 1998 | -715.4% | $-384.46 Million | $53.74 Million | $40.11 Million | $424.57 Million | ▼ -26.6 pp |
| 1997 | -688.8% | $-240.04 Million | $34.85 Million | $26.76 Million | $266.79 Million | ▼ -49.3 pp |
| 1996 | -639.5% | $-220.17 Million | $34.43 Million | $21.96 Million | $242.13 Million | — |