In Q1 2026, Civista Bancshares integrated its recent acquisition of The Farmers Savings Bank, adding significant assets, loans, and deposits while expanding its branch network in Northeast Ohio. The company's net interest income showed upward momentum supported by growth in commercial and residential lending, alongside sustained core deposit expansion. Civista continues to leverage a diversified business model rooted in local relationship banking and complemented by commercial equipment leasing and wealth management services. Key risks include credit concentration in real estate and sensitivity to macroeconomic factors impacting borrower repayment capacity. Looking forward, successful integration of the acquisition and ongoing deposit growth remain critical to sustaining earnings expansion.