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CIBM Bank

$100M-$1B Specialty: Commercial IL FDIC cert 11729

Champaign, IL

9 branches across IL · WI · IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -2.4% year over year ($669.0M on the books).
  • Delinquency rate 1.09%.
  • Return on assets 0.48%.
  • Efficiency ratio 80.89% vs a 64.48% peer average.
  • Loan-to-deposit ratio 98.62% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

CIBM Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 3.2% in tier
  • - Liquidity Strain: Bottom 20.1% in tier
  • - Efficiency Drag: Bottom 30.8% in tier
  • - ROA 0.85% below tier average
  • - Net Interest Margin 0.90% below tier average
  • - Delinquency Rate 0.17% above tier average
Get updates when CIBM Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $819.7M
-1.3% YoY -0.6% QoQ
+$433.2M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Top 7.0% in tier
Total Loans ? $659.8M
-0.7% YoY -1.1% QoQ
+$401.5M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Top 3.6% in tier
Total Deposits ? $669.0M
-2.4% YoY -1.4% QoQ
+$342.3M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Top 8.5% in tier
Return on Assets ? 0.48%
+33.2% YoY +22.1% QoQ
-0.85% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Bottom 11.6% in tier
Net Interest Margin ? 3.08%
+12.1% YoY +1.6% QoQ
-0.90% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 12.2% in tier
Efficiency Ratio ? 80.89%
-5.8% YoY -0.6% QoQ
+16.41% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 12.7% in tier
Delinquency Rate ? 1.09%
-44.1% YoY -19.1% QoQ
+0.17% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
26%
Loan-to-Deposit Ratio ? 98.62%
+1.7% YoY +0.4% QoQ
+20.67% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Bottom 11.9% in tier
Non-Interest-Bearing Deposit Share ? 13.64%
+5.9% YoY +5.7% QoQ
-8.39% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
19%
Nonperforming Asset Ratio ? 0.88%
-43.8% YoY -19.5% QoQ
+0.21% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
24%
Tier 1 Capital Ratio ? 12.29%
+0.7% YoY +1.4% QoQ
-3.62% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
39%
Non-Interest Income / Assets ? 0.30%
-21.8% YoY +114.7% QoQ
-0.27% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
72%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 13.6%
+0.8pp YoY
+0.7pp QoQ
 -8.5pp 22.1% 20.1% 22.2% 19%
Brokered Deposits 9.8%
-0.3pp YoY
-0.7pp QoQ
 +2.0pp 7.9% 8.0% 8.5% 74%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 14.0%
+1.0pp YoY
+0.6pp QoQ
 +2.5pp 11.6% 14.7% 12.5% 72%
CRE 56.6%
-0.2pp YoY
-0.3pp QoQ
 +17.1pp 39.5% 37.9% 41.4% 81%
1-4 Family 29.5%
-1.0pp YoY
-0.4pp QoQ
 -3.1pp 32.6% 28.3% 31.3% 50%
Consumer 0.1%
+0.1pp YoY
+0.1pp QoQ
 -4.0pp 4.1% 5.4% 5.0% 6%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 12.3%
+0.1pp YoY
+0.2pp QoQ
 -6.5pp 18.8% 19.9% 19.7% 20%
Leverage Ratio 9.9%
+0.3pp YoY
0.0pp QoQ
 -2.3pp 12.2% 12.2% 12.6% 29%
Total Capital Ratio 13.5%
+0.1pp YoY
+0.2pp QoQ
 -6.4pp 19.9% 20.9% 20.8% 22%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 142
-2 (-1.4%) YoY
+1 (+0.7%) QoQ
 +83 58 228 482 96%
Assets per Employee ($) $5.8M
+0.1% YoY
-1.3% QoQ
 -$1.7M $7.5M $8.3M $8.8M 29%
Branch Count 9
0 YoY
0 QoQ
 +4 4 10 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.1%
+0.2pp YoY
-0.2pp QoQ
 +0.2pp 0.9% 1.1% 1.0% 73%
Allowance Coverage 1.10x
+61.8% YoY
+13.6% QoQ
 -23.05x 24.15x 5.62x 20.23x 29%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
+0.3pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 86%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 4.9%
+1.1pp YoY
+0.9pp QoQ
 -7.3pp 12.2% 10.5% 11.6% 13%
Cost of Funds (YTD) 2.3%
-0.4pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.6% 1.7% 86%
Net Income ($, YTD) $2.0M
+29.8% YoY
— QoQ
 -$593K $2.6M $11.7M $40.4M 51%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk
#18 of 529 • Bottom 3.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.48%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Liquidity Strain

risk
#140 of 691 • Bottom 20.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 98.62%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Efficiency Drag

risk
#112 of 361 • Bottom 30.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 80.89%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

97
Total Loans
size
Value: $659.80M
Peer Median: $258.35M
#97 of 2643 Top 3.6% in $100M-$1B
186
Total Assets
size
Value: $819.74M
Peer Median: $386.57M
#186 of 2643 Top 7.0% in $100M-$1B
226
Total Deposits
size
Value: $669.02M
Peer Median: $326.73M
#226 of 2643 Top 8.5% in $100M-$1B

Top Weaknesses (6 metrics)

2337
Return on Assets
profitability
Value: 0.48%
Peer Median: 1.32%
#2337 of 2643 Bottom 11.6% in $100M-$1B
2329
Loan-to-Deposit Ratio
liquidity
Value: 98.62%
Peer Median: 77.95%
#2329 of 2643 Bottom 11.9% in $100M-$1B
2322
Net Interest Margin
profitability
Value: 3.08%
Peer Median: 3.99%
#2322 of 2643 Bottom 12.2% in $100M-$1B
2308
Efficiency Ratio
profitability
Value: 80.89%
Peer Median: 64.48%
#2308 of 2643 Bottom 12.7% in $100M-$1B
2129
Non-Interest-Bearing Deposit Share
funding
Value: 13.64%
Peer Median: 22.03%
#2129 of 2643 Bottom 19.5% in $100M-$1B
2020
Nonperforming Asset Ratio
credit_quality
Value: 0.88%
Peer Median: 0.67%
#2020 of 2643 Bottom 23.6% in $100M-$1B
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