Civista Bancshares, Inc., formerly First Citizens Banc Corp, is a financial holding company. The Company, through the subsidiary bank, The Citizens Banking Company (Citizens), is primarily engaged in the business of community banking. Citizens, located in Erie, Crawford, Champaign, Franklin, Logan, Summit, Huron, Ottawa and Richland Counties, Ohio, conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. Its subsidiaries include First Citizens Insurance Agency, Inc., Water Street Properties, First Citizens Investments, Inc., FC Refund Solutions, Inc. and First Citizens Capital LLC. The Company focuses its lending activities on real estate loans, both residential and commercial in nature. The Company's securities are classified as available-for-sale (AFS) securities.