BlastPoint's Banking Scorecard

CIBM Bank

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

Champaign, IL

9 branches across IL · WI · IN

2664 banks in the $100M-$1B peer group nationally 211 in 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

- Liquidity Strain: Bottom 14.8% in tier
- Efficiency Drag: Bottom 30.0% in tier
- Deposit Outflow: Bottom 30.2% in tier
- ROA 0.88% below tier average
- Net Interest Margin 0.90% below tier average
- Delinquency Rate 0.46% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$824.4M -2.3% YoY -0.1% QoQ	+$438.3M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 7.3% in tier
Total Loans ?	$667.0M -2.4% YoY +0.1% QoQ	+$411.2M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Top 3.6% in tier
Total Deposits ?	$678.7M -2.1% YoY +2.3% QoQ	+$350.7M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 8.3% in tier
Return on Assets ?	0.39% +36.2% YoY +28.6% QoQ	-0.88%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Bottom 10.4% in tier
Net Interest Margin ?	3.03% +13.4% YoY +7.1% QoQ	-0.90%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Bottom 12.5% in tier
Efficiency Ratio ?	81.39% -8.0% YoY -4.0% QoQ	+16.10%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 13.8% in tier
Delinquency Rate ?	1.35% +60.3% YoY -9.1% QoQ	+0.46%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	21%
Loan-to-Deposit Ratio ?	98.27% -0.4% YoY -2.2% QoQ	+21.63%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Bottom 10.5% in tier
Non-Interest-Bearing Deposit Share ?	12.91% -10.1% YoY -3.1% QoQ	-9.11%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	17%
Nonperforming Asset Ratio ?	1.09% +60.1% YoY -9.0% QoQ	+0.45%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	18%
Tier 1 Capital Ratio ?	12.11% +1.3% YoY +0.3% QoQ	-3.72%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.14% -20.2% YoY -81.7% QoQ	-0.14%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	70%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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)

Liquidity Strain

risk

#96 of 643 • Bottom 14.8% 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: 98.27%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#125 of 414 • Bottom 30.0% in tier

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

Why this signature

Efficiency Ratio: 81.39%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

Deposit Outflow

decline

#154 of 506 • Bottom 30.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Total Loans

size

Value: $666.96M

Peer Median: $255.72M

#97 of 2664 Top 3.6% in $100M-$1B

195

Total Assets

size

Value: $824.40M

Peer Median: $386.08M

#195 of 2664 Top 7.3% in $100M-$1B

223

Total Deposits

size

Value: $678.70M

Peer Median: $327.97M

#223 of 2664 Top 8.3% in $100M-$1B

Top Weaknesses (7 metrics)

2389

Return on Assets

profitability

Value: 0.39%

Peer Median: 1.27%

#2389 of 2664 Bottom 10.4% in $100M-$1B

2386

Loan-to-Deposit Ratio

liquidity

Value: 98.27%

Peer Median: 76.64%

#2386 of 2664 Bottom 10.5% in $100M-$1B

2332

Net Interest Margin

profitability

Value: 3.03%

Peer Median: 3.93%

#2332 of 2664 Bottom 12.5% in $100M-$1B

2298

Efficiency Ratio

profitability

Value: 81.39%

Peer Median: 65.29%

#2298 of 2664 Bottom 13.8% in $100M-$1B

2208

Non-Interest-Bearing Deposit Share

funding

Value: 12.91%

Peer Median: 22.02%

#2208 of 2664 Bottom 17.2% in $100M-$1B

2193

Nonperforming Asset Ratio

credit_quality

Value: 1.09%

Peer Median: 0.64%

#2193 of 2664 Bottom 17.7% in $100M-$1B

2085

Delinquency Rate

credit_quality

Value: 1.35%

Peer Median: 0.89%

#2085 of 2654 Bottom 21.5% in $100M-$1B