What is Civista Bancshares, Inc.'s Shariah compliance score?

Civista Bancshares, Inc.'s (CIVB) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Civista Bancshares, Inc. pass AAOIFI screening?

Civista Bancshares, Inc. (CIVB) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (CIVB: 50.9%), (3) interest-bearing deposits below 30% (CIVB: 11.3%), and (4) prohibited income below 5% (CIVB: 5.0%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Civista Bancshares, Inc. stock?

Civista Bancshares, Inc. (CIVB) has a non-permissible income ratio of 4.99%. Muslim investors should purify this percentage of any dividends received and capital gains realized from CIVB shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Civista Bancshares, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Civista Bancshares, Inc. (CIVB) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about CIVB's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

Is Civista Bancshares, Inc. (CIVB) halal? Not Halal. Based on AAOIFI screening, Civista Bancshares, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

CIVB: Is Civista Bancshares, Inc. Halal?

Not Halal

Civista Bancshares, Inc.

NASDAQFinancial ServicesUS

$25.82

+1.02%

AvoidBorderlineClean

About Civista Bancshares, Inc.

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also purchases securities; and provides trust and third-party insurance services. It operates approximately 42 locations in Northern, Central, Southwestern, and Northwestern Ohio, as well as Southeastern Indiana and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 18, 2026

Non-Compliant

Fails Shariah screening

0Score

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Financial Ratio Screen

Failed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap50.9% / 30.0%

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Screened: Jun 18, 2026Fiscal: Q1 2026Source: EDGAR

Financial Overview

Market Cap

536.6M

Price

$25.82

Sector

Financial Services

Industry

Banks - Regional

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$388.60

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SLVA+

iShares Silver Trust

$60.61

+0.47%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

IPCXA+

Inflection Point Acquisition Corp. III

$10.31

+0.00%

AXINA+

Axiom Intelligence Acquisition Corp 1

$10.42

+0.29%

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Free · No credit card required

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Frequently Asked Questions

Is Civista Bancshares, Inc. (CIVB) halal to invest in?

Civista Bancshares, Inc. (CIVB) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Civista Bancshares, Inc. get a F compliance rating?

Civista Bancshares, Inc. (CIVB) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 50.9% (limit 30%); interest-bearing deposits of 11.3% (limit 30%); prohibited income of 4.99% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Civista Bancshares, Inc.'s Shariah verdict?

Civista Bancshares, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Civista Bancshares, Inc. re-screened for Shariah compliance?

Civista Bancshares, Inc. (CIVB) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jun 18, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.