Civista Bancshares, Inc. is the financial holding company for Civista Bank, providing banking services in the United States. It offers personal and commercial checking, savings, money market, time, and retirement accounts, along with safe deposit boxes, wire transfers, and ATM services. The company also provides internet, telephone, mobile/digital, and remote deposit capture banking, as well as ACH origination. Its loan portfolio includes commercial and agricultural, commercial real estate, residential and farm real estate, construction, lease financing, consumer, and home equity lines of credit. It operates in North Central, West Central, and South Western Ohio, South Eastern Indiana, and Northern Kentucky. Formerly First Citizens Banc Corp, it changed its name to Civista Bancshares, Inc. in May 2015. Founded in 1884, it is headquartered in Sandusky, Ohio.