About Us

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Our Story

In 1884, the first roller coaster ride opened at Coney Island. It was the year of the first long distance phone line (from Boston to New York) and a new community bank - Citizens Bank, now known as Civista Bank - opened its doors in Sandusky, Ohio. 

One hundred and thirty years later, the bank continues to serve the financial service needs of families and businesses throughout Northern and Central Ohio and is among the premiere community banks in the state. As a $1.3 billion organization, our financial resources and commitment to be the community's trusted financial advisor enables us to serve the personal and business banking, mortgage and wealth management needs of our community members.  We proudly support a variety of economic, educational, cultural, and health and human service initiatives within the communities we serve.  Through both monetary support and promoting employee volunteerism, we are dedicated to making a difference.

Throughout the past 15 years, growth opportunities included the acquisition of The Castalia Banking Company in 1990, Farmers Bank of New Washington in 1998, Citizens National Bank of Norwalk in 2002, First National Bank of Shelby in 2004, and the Miami Valley Bank and Champaign Bank in 2007, and The Citizens National Bank of Southwestern Ohio in 2015.

Today, the bank operates 28 locations across 11 counties, including a loan production office in Mayfield Heights. 

Company Information

Civista Bank is the banking subsidiary of First Citizens Banc Corp, a financial holding company with assets of approximately $1.3 billion headquartered in Sandusky, Ohio.  As a full-service financial institution, Civista serves the needs of consumer, business, mortgage and wealth management customers.  Branches are located throughout Champaign, Crawford, Erie, Franklin, Huron, Logan, Madison, Montgomery Ottawa, Richland and Summit counties and a loan production office is in Cuyahoga County. 

Mission Statement

To be the community's trusted financial advisor by developing generations of life-long relationships built on trust, expertise and exceptional service for all the financial needs of our customers.


Directors of Civista Bank

John O. Bacon
President & C.E.O.,
Mack Iron Works Company
Dennis G. Shaffer
The Citizens Banking Company
Barry W. Boerger
Self-Employed Farmer
Harry Singer
President & C.E.O.,
Sandusco, Inc. and ICM Distrubuting Co.
Thomas A. Depler
Poland, Depler & Shepherd Co., LPA
J. William Springer
President & C.E.O.,
Industrial Nut Corporation
Blythe A. Friedley
Friedley & Co. Insurance Agency, Inc.
Daniel J. White
International Business Consultant
Allen R. Maurice
Wagner, Maurice, & Davidson Co., LPA
Gerald B. Wurm
Wurms Woodworking Co.
James O. Miller
Chairman & C.E.O.

The Citizens Banking Company
Chairman, President & C.E.O.
First Citizens Banc Corp
James D. Heckelman - Director Emeritus
Dan-Mar Co., Inc.
Dennis E. Murray
Murray and Murray Company, LPA
George L. Mylander - Director Emeritus
Retired Educator and City Official,
Chair Emeritus, Firelands Regional Medical Center
Allen R. Nickles, CPA, CFE, FCPA,CFF, CICA
Payne, Nickles & Co.

Officers of Civista Bank

Chairman of the Board and C.E.O.

James O. Miller


Dennis G. Shaffer

Executive Vice President

Richard J. Dutton, Chief Operations Officer
James McGookey, General Counsel, Corporate Secretary

Senior Vice President

John A. Betts, Risk Management Officer and Audit Liaison 
Robert L. Cox, Retail Banking 
Douglas A. Greulich, Investment Officer & Cashier
Dennis J. Guerra, Commercial Lending
Debora A. Kline, Loan Operations
James J. Krancevic, Human Resources 
John D. Lane, Special Assets
Brenda R. Leal, Deposit Operations
Kristine G. Meinert, Branch Operations
Todd A. Michel, Controller
Michael J. Milchen, Senior Underwriting Officer
James L. Nabors II, Consumer/Mortgage Lending
James V. Saccardi, Trust Investment Manager
Kay E. Sandusky, Commercial Lender
Paul J. Stark, Chief Credit Officer
George E. Steinemann, Trust & Brokerage
Jarvis B. Woodson, Mortgage Lending


Vice President

Richard A. Bast, Systems
J. Michael Brainard, Commercial Lender
Todd D. Brown, Trust Officer
James P. Castrigano, Commercial Lender
Kemberly J. Caudill, Credit Work-out Officer
Terry L. Chapman, Commercial Lender
Kathleen S. Dailey, Investment Services Manager
John A. DeSanto, Commercial Lender
Vicky L. Doski, Loan Systems Business Analyst
Richard C. Finneran, Jr., Commercial Lender
Amy L. Grant, Senior Administrative Assistant
Robin J. Grathwol, Commercial Lender
Jodi L. Greulich, Marketing Manager
Jackie A. Griggs, Trust Officer
Jason J. Harrell, Commercial Lender
William J. Heitman, Commercial Lender
J. David Hoskins, Trust Officer
Thomas W. Hough, Commercial Lender
Jeffery C. Huber, Commercial Lender
Michael A. Jefferson, Commercial Lender
James M. Jesko, Loan Operations Manager
Lee A. Jordan, Business Development
Robert L. Katitus, Commercial Lender
Judy A. Kizer, Retail Service Manager
Scott E. MacDonald, Commercial Lender
Melissa L. McDougal,Commercial Lender
Teresa D. Owsley, Financial Consultant
Jeffrey S. Schurdell, Special Assets Assistant Manager
Kimberly W. Springer, Business Solutions
Aaron R. Stephens, Commercial Lender
Robert O. Ward, Commercial Lender
Kenneth E. Wiseman, Commercial Lender

Assistant Vice President

Pamela A. Cummins, Credit Work-Out Officer
Stephen R. Powell, Credit Administration Manager
Jessica A.M. Steuk, Private Banking

Regulatory Officers of Civista Bank
Veronica G. Mock – Privacy Officer (HIPAA)
John A. Betts - Senior Bank Secrecy Officer
Allana I.W. McCreight - Bank Security Officer
Jennifer Conn – Compliance Officer & CRA Officer
Joyce A. McCloskey – Affirmative Action Officer
Karen W. McKinley – Bank Secrecy Officer/Anti-Money Laundering Control Officer/ OFAC Officer/Customer Identification Program Officer