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Top Ways to Use Your HELOC

Civista Bank — Thu, 14 May 2026 16:55:05 GMT

A home equity line of credit, or HELOC, is a revolving line of credit that lets you tap into the equity you’ve built in your home. With access to funds you can draw on again and again – up to your available credit line – you’ll be able to use your HELOC for all kinds of purchases. Here are our top 5 favorite ways you can use your Civista HELOC.

Navigating AI Scams

Civista Bank — Mon, 11 May 2026 17:20:12 GMT

Artificial Intelligence (AI), once only found in science fiction, has now permeated our daily lives with breathtaking innovations, from Siri's voice on your smartphone to the advent of self-driving cars. This remarkable technology drives innovation across various sectors, from simplifying daily tasks to transforming complex business operations.

Phishing and Smishing Prevention Tips

Civista Bank — Mon, 11 May 2026 17:00:11 GMT

Phishing and smishing are two of the most common cybersecurity attacks used by cybercriminals. Both scams involve sending text messages or emails with fraudulent links or attachments in an attempt to steal personal information from unsuspecting victims.

Why Help Your Teen Start Building Their Credit Now

Civista Bank — Mon, 11 May 2026 16:46:27 GMT

If you're a parent of a teen or young adult, you might be wondering why you should care about your child's credit score. After all, they're still young and probably not thinking about buying a car or a house anytime soon, right? Wrong! Building a good credit score takes time, and the earlier your child starts, the better off they'll be in the long run.

How to Jump-Start Your Budget > Civista Bank

Civista Bank — Fri, 08 May 2026 20:49:38 GMT

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Diving Into Your Finances

Getting a jump-start on your budget is an important first step in understanding your finances. Even if you think you have it all under control, without taking a deeper dive into your financial habits you may be missing some important opportunities for improvement.

How Trade & Industrial Supply Rebuilt for the Future

Civista Bank — Fri, 01 May 2026 19:50:56 GMT

Lawrenceburg sits along a bend of the Ohio River, where industry and community have long been intertwined.

The Hermes-Parker Concrete Story > Civista Bank

Civista Bank — Fri, 01 May 2026 13:31:08 GMT

From Small Startup to Premier Contractor

Early morning light cuts across the yard at Hermes-Parker Concrete. Trucks hum as crews gather their gear, and a massive concrete pump truck glints under the sunrise. To most people driving by, it looks like the start of another workday. To the partners at Hermes-Parker Concrete, it's a reminder of what steady work and family teamwork can build.

Inside the Sandler Father & Son Partnership > Civista Bank

Civista Bank — Fri, 01 May 2026 13:10:46 GMT

Building Business, Building Community

Most mornings, long before the Dayton traffic starts to hum, 78-year-old Les Sandler is already settled in behind his desk. His son, Jonah, works right next door. Their offices sit side by side in a quiet building off I-75, the same corridor where so much of their story has unfolded: in coin shops, in subdivisions, in massive entertainment centers, and now, in a plastics manufacturing company.
Together, Les and Jonah have built a family legacy defined not by a single industry, but by a pattern: find the opportunity, take the chance, and build something that leaves people a little better off than before.

How Holthouse Farms Keeps Growing > Civista Bank

Civista Bank — Fri, 01 May 2026 12:59:15 GMT

How Holthouse Farms Keeps Growing Through Fire, Faith, and the Power of Partnership

On summer mornings in Celeryville, Ohio, the fields look almost black. The soil—fine, rich, and deep—is what locals call the muck. It is soft, fertile land Dutch immigrants drained by hand more than a century ago to grow vegetables for nearby cities. It’s in this soil that Holthouse Farms started in 1903, when a young Dutch family settled along the quiet ditch lines.

Four generations later, the landscape has changed, the economy has shifted, and the work has grown more complex. But the Holthouse family is still here—farming, packing, adapting, and rooted in the same small community built from swamp, faith, and grit.

A Small Ohio Manufacturer Becomes a Global Leader > Civista Bank

Civista Bank — Fri, 01 May 2026 12:43:10 GMT

In 1996, Irwin Haber found himself sitting across the table from his two business partners facing a decision that would define the rest of his career. The company they had purchased out of bankruptcy just three years earlier was still struggling, dragged down by legacy contracts and the remnants of its past. His partners wanted out. Haber wanted to keep going.