CIVB

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EXHIBIT 99.1

Civista Bancshares, Inc. Announces Third Quarter 2026 Net Income of $16.0 million, up 25.5% from Third Quarter 2025

Sandusky, Ohio, October 22, 2026 /PRNewswire/– Civista Bancshares, Inc. (NASDAQ:CIVB) (“Civista”) today reported net income of $16.0 million, or $0.77 per diluted common share, for the quarter ended September 30, 2026. The results of the periods presented include the impact of The Farmers Savings Bank ("FSB") merger since November 7, 2025.

• Net income for the third quarter of 2026 of $16.0 million, a $3.3 million or 25.5% increase compared to $12.8 million for the third quarter 2025, and a $1.7 million, or 11.9% increase from the second quarter 2026.

• Net interest margin expanded 35 basis points year-over-year to 3.93% while cost of funds declined 30 basis points.

• Earnings per diluted common share were $0.77 for the third quarter of 2026, compared to $0.68 for the third quarter of 2025.

• Pre-Provision Net Revenue (PPNR) for the third quarter of 2026 was $21.1 million, compared to $15.9 million in the third quarter of 2025 and $18.9 million for the second quarter of 2026.

• Total loans increased $38.0 million, or 1.2%, in the third quarter of 2026 compared to the second quarter of 2026.

• Return on Assets of 1.48%, compared to 1.22% for the third quarter of 2025.

• The efficiency ratio improved to 55.3% for the third quarter of 2026 from 61.4% for the third quarter of 2025.

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CEO Commentary:

"I am pleased with Civista's strong performance in the third quarter and proud of the continued execution by our team," said Chuck Parcher, President and Chief Executive Officer of Civista Bancshares, Inc. "We delivered net income of $16.0 million, expanded our net interest margin to 3.93%, and improved our efficiency ratio to 55.3%, while also generating solid loan growth. These results reflect the strength of our franchise, disciplined balance sheet management, and the dedication of our employees to serving our customers and communities."

"Our focus remains on growing responsibly while maintaining a strong and well-managed balance sheet. Total loans increased $38.0 million during the quarter, while brokered deposits declined another $25.0 million. Credit quality also remained well managed, with non-performing assets declining to $27.6 million. We are encouraged by these trends and remain focused on balancing growth with prudent funding and credit risk management."

"As I begin my tenure as President and CEO, I am honored to have the opportunity to lead Civista and build upon the strong foundation established by those who came before me. Our priorities remain clear: take care of our customers, support our communities, invest in our people, and deliver consistent execution. I have tremendous confidence in our team, the strength of our franchise, and Civista's ability to create long-term value for our shareholders, customers, and communities."

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Results of Operations:

For the three month periods ended September 30, 2026, June 30, 2026 and September 30, 2025, and the nine month periods ended September 30, 2026 and 2025. The results of the periods reflect the inclusion of the FSB merger since November 7, 2025.

Third Quarter 2026 Highlights

• Net income of $16.0 million, a $3.3 million or 25.5% increase compared to $12.8 million for the third quarter 2025, and a $1.7 million, or 11.9% increase from the second quarter 2026.

• Earnings per diluted common share were $0.77 for the third quarter of 2026, compared to $0.68 for the third quarter of 2025.

• Pre-Provision Net Revenue (PPNR) for the third quarter of 2026 was $21.1 million, compared to $15.9 million in the third quarter of 2025 and $18.9 million for the second quarter of 2026.

• Net interest margin expanded 35 basis points year-over-year to 3.93% while cost of funds declined 30 basis points.

• Net securities losses from the sale of debt securities were $1.6 million for the third quarter of 2026 related to balance sheet repositioning.

• Other non-interest income includes $1.8 million of net insurance proceeds related to the Stateline branch fire that occurred in December 2025.

• Cost of funds of 197 basis points for the third quarter of 2026, 30 basis points lower than the 227 basis points cost of funds for the third quarter of 2025, and 3 basis points higher than the 194 basis points in second quarter 2026.

• Cost of deposits of 182 basis points for the third quarter of 2026, down 18 basis points compared to 200 basis points in the third quarter of 2025, and 1 basis point lower than the 183 basis points in the second quarter of 2026.

• Brokered deposits declined $25.0 million during the third quarter and $77.0 million since year-end 2025 as Civista continued optimizing its funding mix and reducing higher-cost funding sources.

• Total loans increased $38.0 million, or 1.2%, in the third quarter of 2026 compared to the second quarter of 2026.

• The efficiency ratio i

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EXHIBIT 99.1

Civista Bancshares, Inc. Announces Second-Quarter 2026 Net Income of $14.3 million, up $3.3 million from Second-Quarter 2025

Sandusky, Ohio, July 23, 2026 /PRNewswire/– Civista Bancshares, Inc. (NASDAQ:CIVB) (“Civista”) today reported net income of $14.3 million, or $0.69 per common share, for the quarter ended June 30, 2026. The results of the periods presented include the impact of The Farmers Savings Bank ("FSB") merger since November 7, 2025.

• Net income for the second-quarter of 2026 of $14.3 million, a $3.3 million or 30.0% increase compared to $11.0 million for the second-quarter 2025, but down $0.7 million or 4.5% compared to $15.0 million for the first-quarter 2026.

• Net interest margin expanded 25 basis points year-over-year to 3.89% while cost of funds declined 37 basis points.

• Diluted earnings per common share were $0.69 for the second quarter of 2026, compared to $0.71 for the second quarter of 2025. The modest decrease primarily reflects the additional shares issued in connection with the FSB merger and common stock offering completed during the second-half of 2025.

• Pre-Provision Net Revenue (PPNR) for the second quarter of 2026 was $18.9 million, compared to $17.4 million in the first quarter of 2026 and $13.9 million for the second quarter of 2025.

• Cost of funds of 194 basis points for the second-quarter of 2026, 37 basis points lower than the 232 basis points cost of funds for the second-quarter of 2025, and 2 basis points lower than the 196 basis points in first-quarter 2026.

• Cost of deposits of 183 basis points for the second-quarter of 2026, down 13 basis points compared to 196 basis points in the second-quarter of 2025, but 2 basis points higher than the 181 basis points in the first-quarter of 2026.

• Brokered deposits declined $25.0 million linked quarter and $52.0 million since year-end 2025 as Civista continued optimizing its funding mix and reducing higher-cost funding sources.

• Total loans increased $25.2 million, or 0.8%, in the second quarter of 2026 compared to the first quarter of 2026.

• Return on Assets of 1.34%, compared to 1.06% for the second quarter of 2025.

• Leadership Transition: As previously announced, Dennis Shaffer will be retiring as President and Chief Executive Officer effective August 28, 2026. Chuck Parcher will succeed Shaffer as President and Chief Executive Officer, ensuring a planned and orderly leadership transition.

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CEO Commentary:

"Civista delivered a strong second quarter and first half of 2026, reflecting continued execution of our strategy and the strength of our balance sheet," said Dennis Shaffer, President and Chief Executive Officer of Civista Bancshares, Inc. "During the quarter, net interest margin expanded, funding costs continued to improve, credit quality remained stable, and our efficiency ratio improved significantly from a year ago. These results demonstrate the benefits of disciplined balance sheet management and our ongoing focus on operational excellence."

"While the operating environment remains dynamic, our team continues to execute with a focus on prudent growth, sound risk management, strong customer relationships, and long-term shareholder value creation. We remain encouraged by the strength of our core banking franchise, the quality of our customer base, and the opportunities across our markets."

"This quarter also marks my final earnings release as Chief Executive Officer of Civista Bancshares. Serving our customers, communities, shareholders, and employees has been one of the great privileges of my career. I am deeply grateful to our employees for their dedication, to our Board of Directors for their guidance and support, and to our customers for the trust they have placed in Civista throughout the years."

"As we prepare for our leadership transition in August, I am confident that Civista's future is bright. Chuck Parcher is an exceptional leader who understands our culture, our markets, and our commitment to community banking. With a talented leadership team, a strong capital position, and a clear strategic direction, Civista is well positioned for continued growth and success in the years ahead."

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Results of Operations:

For the three-month periods ended June 30, 2026, March 31, 2026 and June 30, 2025.

The results of the periods reflect the inclusion of FSB merger since November 7, 2025.

Second-Quarter 2026 Highlights

• Net income of $14.3 million, a $3.3 million or 30% increase compared to $11.0 million for the second quarter 2025, but down $0.7 million or 4.5% compared to the $15.0 million for the first quarter of 2026.

• Diluted earnings per common share were $0.69 for the second quarter of 2026, compared to $0.71 for the second quarter of 2025. The modest decrease primarily reflects the additional shares issued in connection with the FSB merger and common stock offering completed during the second-half of 2025.

• Pre-Provi

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EXHIBIT 99.1

Civista Bancshares, Inc. Announces First-Quarter 2026 Financial Results of $0.72 per Common Share, up $0.06 per Common Share from First-Quarter 2025

Sandusky, Ohio, April 22, 2026 /PRNewswire/– Civista Bancshares, Inc. (NASDAQ:CIVB) (“Civista”) today reported net income of $15.0 million, or $0.72 per common share, for the quarter ended March 31, 2026. The results of the periods reflect the inclusion of The Farmers Savings Bank ("FSB") merger since November 7, 2025.

• Net income, for the first-quarter of 2026 of $15.0 million, a $4.8 million or 47% increase compared to $10.2 million for the first-quarter 2025, and a $2.7 million or 22% increase compared to $12.3 million for the fourth-quarter 2025.

• Diluted earnings per common share of $0.72, for the first quarter of 2026, a $0.06 or 9% increase compared to $0.66 per diluted share, for the first quarter of 2025, and $0.11 or 18% increase compared to $0.61 per diluted share, for the fourth quarter of 2025.

• First-quarter 2026 results include non-recurring, acquisition-related adjustments associated with the merger of FSB that negatively impacted net income by approximately $0.4 million on a pre-tax and after-tax basis, or $0.02 per common share.

• Net interest margin (tax‑equivalent) expanded to 3.85% during the first quarter of 2026, increasing 34 basis points year‑over‑year and 16 basis points sequentially, reflecting lower funding costs and disciplined balance‑sheet management.

• Cost of funds of 196 basis points for the first-quarter of 2026, 35 basis points lower than the 231 basis points cost of funds for the first-quarter of 2025, and 12 basis points lower than the 208 basis points in fourth-quarter 2025.

• Cost of deposits of 181 basis points for the first-quarter of 2026, down 19 basis points compared to 200 basis points in the first-quarter of 2025, and 11 basis points lower than the 192 basis points in the fourth-quarter of 2025.

• Efficiency ratio for the first quarter of 2026 was 60.1%, compared to 64.9% for the first quarter of 2025.

• Total deposits increased $35.4 million, or 1.0%, in the first quarter of 2026 compared to the fourth quarter of 2025.

• Return on Assets of 1.41%, compared to 1.00% for the first quarter of 2025 and 1.14% for the fourth quarter of 2025.

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CEO Commentary:

“Civista reported a solid start to 2026, with first‑quarter net income of $15.0 million, or $0.72 per diluted share,” said Dennis Shaffer, President and Chief Executive Officer of Civista Bancshares, Inc. “Results for the quarter reflected continued expansion in net interest margin, disciplined expense management, and stable credit performance, while we proactively managed the balance sheet in a changing operating environment.”

“During the first quarter, we continued to optimize our funding mix by reducing higher‑cost sources, including brokered deposits and short‑term FHLB advances, while growing core deposits,” Shaffer said. “These actions contributed to lower funding costs and further strengthened our liquidity profile.”

“We also successfully completed the integration and system conversion of The Farmers Savings Bank during the quarter,” Shaffer added. “The conversion was executed smoothly and on schedule, reflecting our disciplined approach to integration and our commitment to minimizing disruption for customers and employees.”

“As we move forward, we remain focused on disciplined growth, prudent risk management, and delivering consistent value for shareholders,” Shaffer concluded. “Our community‑banking model and diversified earnings profile position Civista well as we navigate the current economic environment and continue to support the communities we serve.”

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Results of Operations:

For the three-month periods ended March 31, 2026, March 31, 2025 and December 31, 2025.

The results of the periods reflect the inclusion of FSB merger since November 7, 2025.

First-Quarter 2026 Highlights

• Net income of $15.0 million, a $4.8 million or 47% increase compared to $10.2 million for the first quarter 2025, and a $2.7 million or 22% increase compared to the $12.3 million for the fourth quarter of 2025.

• Diluted earnings per common share of $0.72, for the first quarter of 2026, a $0.06 or 9% increase compared to $0.66 per diluted share, for the first quarter of 2025, and $0.11 or 18% increase compared to $0.61 per diluted share, for the fourth quarter of 2025.

• Successfully completed the core system conversion and operational integration of FSB, following its acquisition in the fourth quarter of 2025.

• The first-quarter of 2026 included non-recurring adjustments related to the merger of FSB that closed in the fourth quarter of 2025 that negatively impacted net income by approximately $0.4 million on a pre-tax and after-tax basis, or $0.02 per common share.

• Net interest margin (tax‑equivalent) expanded to 3.85% during the first quarter of 2026, increasing 34 basis points year