CIBM BANK

CHAMPAIGN, IL | Medium | Est. Jan. 1, 1921, midnight | FDIC #11729 | RSSD #340742 | FDIC
Latest Report: 2025-12-31

CIBM BANK is amn medium FDIC-insured commercial bank headquartered in CHAMPAIGN, IL, established in Jan. 1, 1921, midnight. As of 2025-12-31, the bank reported total assets of $825M and total deposits of $663M. Profitability stands at -0.05% ROA and -0.46% ROE, with a net interest margin of 3.07%. The bank's CET1 capital ratio is 12.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.29% and a Texas Ratio of 9.78%. FDIC Certificate #11729.

Assets

$825M

Deposits

$663M

Loans

$675M

Equity

$81M

Profitability

Return on Assets (ROA) -0.05%
Return on Equity (ROE) -0.46%
Net Interest Margin (NIM) 3.07%
Yield on Assets 5.74%
Cost of Funds 2.80%

Asset Quality

NPL Ratio 1.29%
Net Charge-Off Ratio 0.20%
Texas Ratio 9.78%
NPA Ratio 1.06%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 12.08%
Tier 1 Capital 12.08%
Total Capital Ratio 13.33%
Leverage Ratio 9.71%
Loan-to-Deposit 101.73%

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