Civista Bancshares, Inc. · NASDAQ:CIVB
Civista Bancshares — Shareholder Meeting (May 2026)
23 slides from Civista Bancshares's shareholder meeting presentation, May 19, 2026
Slide 1: Annual Shareholder Meeting May 19, 2026
Annual Shareholder Meeting May 19, 2026 NASDAQ: CIVB | civb.com | civista.bank WELCOME
Slide 2: Forward-Looking Statements
FORWARD-LOOKING STATEMENTS Forward-Looking Statements. This presentation may contain forward-looking statements regarding the financial performance, business prospects, growth and operating strategies of Civista. For these statements, Civista claims the protections of the safe harbor for forward-loo
Slide 3: Welcome & Introductions
President, CEO, and Chairman of Civista Bancshares, Inc. and CEO of Civista Bank DENNIS G. SHAFFER WELCOME & INTRODUCTIONS
Slide 4: Board of Directors
BOARD OF DIRECTORS Dennis G. Shaffer Chairman, President, and CEO, Civista Bancshares, Inc. and CEO, Civista Bank Charles A. Parcher Executive Vice President, Civista Bancshares, Inc. and President, Civista Bank Darci L. Congrove CPA - Managing Director, GBQ Partners, LLC Mark J. Macioce President,
Slide 5: Corporate Secretary and Executive Introductions
CHARLES PARCHER Corporate Secretary, Civista Bancshares, Inc. LANCE MORRISON Recording Secretary, Civista Bancshares, Inc. KAREN TERENZI Executive Vice President of Civista Bancshares, Inc. and President of Civista Bank
Slide 6: Legal Counsel and Meeting Service Providers
BRIAN FRANEY Vorys, Sater, Seymour and Pease, LLP TONY WEIS BetaNXT / DFIN REX MORGAN PLANTE MORAN, LLC
Slide 7: 2026 Annual Meeting Notice, Affidavit, 2025 Minutes
2026 ANNUAL MEETING NOTICE OF MEETING AFFIDAVIT 2025 MEETING MINUTES
Slide 8: Proposal Presentation
PROPOSAL PRESENTATION PROPOSAL NO. 1: Election of 11 Directors to the Board of Civista Bancshares, Inc. PROPOSAL NO. 2: Approval by non-binding advisory vote of the compensation of Civista Bancshares, Inc.’s named Executive Officers as disclosed in the Proxy Statement. PROPOSAL NO. 3: Ratification o
Slide 9: Management Presentation
MANAGEMENT PRESENTATION President, CEO, and Chairman of Civista Bancshares, Inc. and CEO of Civista Bank DENNIS G. SHAFFER
Slide 10: 2025 Financial Performance
2025 FINANCIAL PERFORMANCE Stock price $22.22 at 12/31/2025 from $21.04 at 12/31/2024 Dividend increase to $0.18 per quarter in January 2026 6th dividend increase since end of 2020 (64% increase) 6 research firms; target stock price range of $26-29. 1 rated as strong buy, 2 rated as buy, 3 rated as
Slide 11: 2025 Financial Performance
Total Ending Assets $4.3 Billion, up from $4.1 Billion EOY 2024 Full Year Net Income of $46.2 million 46% increase compared to Full Year 2024 EPS of $2.64 compared to $2.01 in Full Year 2024 Net Interest Margin of 3.61% 40 bps increase over Full Year 2024 ROA of 1.11% and ROE of 10.28% Compared to 0
Slide 12: 2025 Financial Performance: Credit Quality
2025 FINANCIAL PERFORMANCE Strong credit quality Minimal delinquencies and charge offs Allowance at 1.28%
Slide 13: Management Presentation
MANAGEMENT PRESENTATION Executive Vice President of Civista Bancshares, Inc. and President of Civista Bank CHARLES PARCHER
Slide 14: Strategic Priorities 2024-2027
Grow Relationships & Core Deposits Position Digital to Grow the Bank Invest in Talent & Culture to Drive the Strategic Plan Leverage Technology to Optimize Profitability Increase digital deposit account openings Implement enhanced fraud prevention tools Enhance data analytics tools Deepen existing r
Slide 15: Grow Relationships & Core Deposits
GROW RELATIONSHIPS & CORE DEPOSITS We remain focused on: Primary banking relationships Cross-selling across our product set Serving customers who value a relationship, not just a transaction Deeping existing relationships Attracting customers aligned with our model
Slide 16: Position Digital to Grow the Bank
POSITION DIGITAL TO GROW THE BANK We are investing in: Digital onboarding and account opening Improved customer experience Enhanced fraud prevention and security Automation to improve efficiency and accuracy
Slide 17: Leverage Technology to Optimize Profitability
LEVERAGE TECHNOLOGY TO OPTIMIZE PROFITABILITY We will leverage automation and process improvement to: Reduce friction Improve scalability Enhance accountability Focus resources on customer-facing activity
Slide 18: Invest in Talent & Culture to Drive the Strategic Plan
INVEST IN TALENT & CULTURE TO DRIVE THE STRATEGIC PLAN We continue to invest in: Talent development Performance management Leadership depth A culture of accountability, collaboration, and engagement
Slide 19: Closing Comments
CLOSING COMMENTS
Slide 20: Thank You
THANK YOU We appreciate your confidence in our vision. NASDAQ: CIVB | civb.com | civista.bank
Slide 21: Questions & Answers
QUESTIONS & ANSWERS
Slide 22: Proposal Voting Result
PROPOSAL VOTING RESULT PROPOSAL NO. 1: Election of 11 Directors to the Board of Civista Bancshares, Inc. PROPOSAL NO. 2: Approval by non-binding advisory vote of the compensation of Civista Bancshares, Inc.’s named Executive Officers as disclosed in the Proxy Statement. PROPOSAL NO. 3: Ratification
Slide 23: Thank You!
Your trust and investment drives our success. THANK YOU! NASDAQ: CIVB | civb.com | civista.bank