Civista Bank vs The State Bank And Trust Company
Comparing a Bank in Sandusky, OH with a Bank in Defiance, OH using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Civista Bank ↗ Bank · Sandusky, OH · Est. 1884 | The State Bank And Trust Company ↗ Bank · Defiance, OH · Est. 1902 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Sandusky, OH | Defiance, OH |
| Total assets | $4.3B | $1.6B |
| Capital ratio | 14.7% | 10.1% |
| Return on assets | 1.5% | 1.2% |
| Deposits | $3.5B | $1.4B |
| Branches | 42 | 29 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 157 | #5 of 157 |
| Established | 1884 | 1902 |
Civista Bank
- Assets: $4.3B
- Deposits: $3.5B
- Capital ratio: 14.7%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #3 of 157
The State Bank And Trust Company
- Assets: $1.6B
- Deposits: $1.4B
- Capital ratio: 10.1%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #5 of 157
Are both institutions federally insured?
Yes. Civista Bank is FDIC-insured and The State Bank And Trust Company is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Civista Bank or The State Bank And Trust Company?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Civista Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Civista Bank safe?
Yes — Civista Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is The State Bank And Trust Company safe?
Yes — The State Bank And Trust Company is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Civista Bank vs The State Bank And Trust Company?
Civista Bank has a capital ratio of 14.7%, placing it in the top 8% of $1B–10B peers. The State Bank And Trust Company's ratio is 10.1%, placing it in the bottom 46% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Civista Bank have compared to The State Bank And Trust Company?
The CFPB database shows 0 complaints against Civista Bank, and 0 complaints against The State Bank And Trust Company. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Civista Bank with other Banks in Ohio
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
