HIGHOutside partySupplier
single vendor for banking systems
“10-K Item 1A: 'Civista also relies, in significant part, on a single vendor for the systems which allow Civista to provide banking services to Civista’s customers'”
CIVB · Concentration risk · 10-K extracted
Civista Bancshares (CIVB) concentration risks
Updated
The most significant concentration Civista Bancshares discloses is single vendor for banking systems, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Civista Bancshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH1
MEDIUM3
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inLoan_portfolio
50%
commercial real estate loans
“10-K Item 1A: 'approximately 28.9% and 50.0%, respectively, of our loan portfolio was comprised of residential and commercial real estate loans'”
MEDIUMBuilt-inLoan_portfolio
28.9%
residential real estate loans
“10-K Item 1A: 'approximately 28.9% and 50.0%, respectively, of our loan portfolio was comprised of residential and commercial real estate loans'”
MEDIUMBuilt-inGeographic
Ohio, Indiana and Kentucky market area
“10-K Item 1A: 'within our market area, which includes North Central, West Central and South Western Ohio, South Eastern Indiana and Northern Kentucky'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Civista Bancshares carries both an operational dependency and a set of structural, real-estate-heavy loan and geographic concentrations. On the dependency side, Civista relies in significant part on a single vendor for the core systems that allow it to provide banking services to its customers — a high-band exposure where a vendor disruption could directly impair customer-facing operations, a risk with no disclosed backup or diversification. On the asset side, real estate dominates the loan book: commercial real estate loans made up approximately 50.0% and residential real estate loans approximately 28.9% of the portfolio — together comprising the large majority of total loans, both medium-band structural exposures reflecting the bank's core lending model rather than any single borrower. Layered on top, Civista's market area is concentrated in North Central, West Central, and South Western Ohio, South Eastern Indiana, and Northern Kentucky, a medium-band structural geographic exposure. Of the two categories, the single-vendor dependency is the more idiosyncratic risk — a vendor-specific event could disrupt operations regardless of loan performance — while the real estate and geographic concentrations are durable features of a regional community bank's business model.
For the engine’s reasoning on CIVB’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| CIVB● | Civista Bancshares, Inc. | 1 | 3 | 0 | 4 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.