STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
107
2010–2026
Total Volume
$69M
Gross loan amounts
States Active
5
With recorded loans
Programs
7(a) & 504
107 total segments
Civista Bank has a strong focus on 504 loans, with 30% of its SBA deals in this category, which is significantly higher than the national average of 18%. This makes them a solid choice for borrowers looking for real estate financing.
The bank offers competitive pricing on its 7(a) loans, with an average spread of P+1.78%, which is lower than the national median of P+2.75%. This could save you money on interest over the life of the loan.
Civista Bank's deal volume is growing at a rate of 13% year-over-year, indicating a positive trend in their lending activity. This growth could suggest a willingness to lend and a stronger position in the market, which may benefit your loan application.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 32 504 loans, which use fixed SBA debenture rates.
States where Civista Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Social Assistance
Health Care & Social Assistance
Specialty Trade Contractors
Construction
Other Health Practitioners
Health Care & Social Assistance
Retail Trade
Retail Trade
Hotels & Accommodation
Accommodation & Food Services
Information & Media
Information & Media
+ 7 more
All recorded SBA lending activity for Civista Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Ohio · Restaurants & Food Service · $500K – $1M | 7(a) | 6 | P+0.94% | $825K | Q3 2024 |
| Ohio · Retail Trade · $150K – $350K | 7(a) | 4 | P+1.50% | $226K | Q4 2019 |
| Ohio · Hotels & Accommodation · $2M – $5M | 504 | 3 | — | $3.3M | Q3 2025 |
| Ohio · Other Health Practitioners · Under $150K | 7(a) | 3 | P+2.75% | $60K | Q2 2021 |
| Ohio · Restaurants & Food Service · Under $150K | 7(a) | 3 | P+2.00% | $125K | Q4 2018 |
| Ohio · Manufacturing · Under $150K | 7(a) | 3 | P+1.50% | $92K | Q1 2025 |
| Ohio · Other Services · $500K – $1M | 7(a) | 3 | P+2.75% | $663K | Q4 2012 |
| Ohio · Restaurants & Food Service · $350K – $500K | 504 | 3 | — | $368K | Q1 2019 |
| Ohio · Restaurants & Food Service · $350K – $500K | 7(a) | 3 | P+2.00% | $429K | Q2 2025 |
| Ohio · Manufacturing · $1M – $2M | 504 | 2 | — | $1.5M | Q4 2024 |
| Ohio · Specialty Trade Contractors · $500K – $1M | 7(a) | 2 | P+2.13% | $758K | Q3 2013 |
| Ohio · Information & Media · Under $150K | 7(a) | 2 | P+2.75% | $125K | Q1 2013 |
| Ohio · Social Assistance · $150K – $350K | 7(a) | 2 | P+1.88% | $230K | Q3 2018 |
| Ohio · Retail Trade · Under $150K | 7(a) | 2 | P+2.13% | $94K | Q1 2011 |
| Ohio · Hotels & Accommodation · $1M – $2M | 504 | 2 | — | $1.6M | Q4 2012 |
| Ohio · Restaurants & Food Service · $1M – $2M | 7(a) | 2 | P+1.75% | $1.4M | Q3 2021 |
| Ohio · Administrative & Waste Services · Under $150K | 7(a) | 2 | P+1.00% | $113K | Q3 2017 |
| Ohio · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.00% | $240K | Q1 2025 |
| Ohio · Social Assistance · Under $150K | 7(a) | 1 | P+1.75% | $50K | Q4 2017 |
| Ohio · Social Assistance · $350K – $500K | 7(a) | 1 | P+1.00% | $423K | Q1 2024 |
| Ohio · Social Assistance · $500K – $1M | 7(a) | 1 | P+2.75% | $710K | Q2 2013 |
| Ohio · Restaurants & Food Service · $150K – $350K | 7(a) | 1 | P+0.50% | $238K | Q1 2020 |
| Ohio · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 1 | P+2.50% | $270K | Q3 2023 |
| Ohio · Laundry & Dry Cleaning · Under $150K | 7(a) | 1 | P+1.25% | $145K | Q4 2017 |
| Ohio · Other Repair & Services · $150K – $350K | 7(a) | 1 | P+1.00% | $260K | Q1 2019 |
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