CIBM BANK
CIBM BANK is an FDIC-insured commercial bank headquartered in CHAMPAIGN, IL, established in 1921. As of , 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 2.91%. CET1 capital ratio: 12.08%, well above regulatory minimums. NPL ratio: 1.60% · Texas Ratio: 12.10%. Operates 9 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Cibm Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.08% | -0.05% | 1.60% | 12.10% | 2.91% |
| 2025-09-30 | 12.63% | 0.54% | 1.29% | 9.28% | 2.87% |
| 2025-06-30 | 12.19% | 0.43% | 1.18% | 8.76% | 2.76% |
| 2025-03-31 | 11.96% | 0.29% | 1.15% | 8.99% | 2.65% |
| 2024-12-31 | 11.57% | 0.30% | 1.13% | 9.41% | 2.52% |
| 2024-09-30 | 12.11% | 0.58% | 1.23% | 9.65% | 2.62% |
| 2024-06-30 | 11.47% | 1.86% | 0.97% | 8.08% | 2.43% |
| 2024-03-31 | 10.66% | 0.18% | 0.98% | 8.30% | 2.34% |
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Frequently asked about CIBM BANK
What are Cibm Bank's total assets?
As of the Q4 2025 filing, Cibm Bank reported total assets of $825.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cibm Bank headquartered?
Cibm Bank is headquartered in CHAMPAIGN, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Cibm Bank founded?
Cibm Bank was established in 1921, per the FDIC institution directory.
Is Cibm Bank FDIC-insured?
Yes. Cibm Bank is an FDIC-insured commercial bank (FDIC Certificate #11729). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cibm Bank?
Cibm Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Cibm Bank's CET1 capital ratio?
Cibm Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.08% in its most recent quarterly filing — above regulatory minimums.
How many branches does Cibm Bank operate?
Cibm Bank operates 9 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Cibm Bank's Texas Ratio?
Cibm Bank's Texas Ratio is 12.10% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.