Cibm Bank
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Data as of · sourced from FFIEC call reports. How we update
Cibm Bank is an FDIC-insured commercial bank headquartered in Champaign, IL, established in 1921 (FDIC certificate 11729), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $819.7M, down 1.3% from Q2 2025, the 62nd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 12.29% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11729
- Headquarters
- Champaign, IL
- Established
- 1921
- Total assets, Q2 2026
- $819.7M
- Assets vs Q2 2025
- -1.3%
- CET1 ratio, Q2 2026
- 12.29%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 071122933
- Latest call report
- Q2 2026, FFIEC 041 · Cibm Bank call report
- Holding company
- CIB MARINE BANCSHARES, INC.
- Asset rank in state
- 62nd of 319 in Illinois
Cibm Bank leans heavily on commercial real estate. Based in Champaign, Illinois, it had $820 million in assets at June 30, 2026, down 1.3% from a year earlier. It holds commercial real estate loans worth 3.2 times its capital, 2.7 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 3.11 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.08% of loans from 1.92%. Its $93 million commercial and industrial book is improving, with 3.52% past due or on nonaccrual, down from 5.95% a year earlier. Costs are the weak spot: it spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Cibm Bank reported a CET1 capital ratio of 12.29%, a return on assets of 0.57%, a nonperforming-loan ratio of 1.08% and a Texas ratio of 8.12%. The figures come from its call report filed with the FFIEC.
Cibm Bank ranks as the 62nd largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $819.7M, loans fell 1.2% and deposits fell 1.4%. 1-4 family residential loans made up 29.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 28.7%. The FDIC Summary of Deposits lists 9 offices for it, in 9 cities across 3 states; its Champaign office books 35% of its branch deposits. Judged on its Q2 2026 call report, Cibm Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2913 W Kirby Ave, Champaign, IL 61821
- County
- Champaign
- Metro Area
- Champaign-Urbana, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1921
- Former names
- CIMB Bank (2009); CIB Marine Bank (2009); Central Illinois Bank (1998-2009); Central Illinois Bank, MC (1995-1998); Central Illinois Bank McLean County (1992-1995)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 142
- Domestic deposits
- $669.0M
- Allowance for credit losses
- $7.9M
- Net charge-offs (YTD)
- $688K
- Average total assets
- $815.7M
- Average total loans
- $668.7M
- Average interest-bearing deposits
- $581.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11729
- Fed RSSD
- 340742
- SEC CIK
- 861955 → filed by CIB MARINE BANCSHARES, INC.
- Website
- www.cibmbank.com →
- Parent Holding Company
- CIB MARINE BANCSHARES, INC. (RSSD 1139532)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Cibm Bank's total assets moved between a low of $819.7M (Q2 2026) and a high of $893.7M (Q2 2024) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$819.7M total assets against $830.2M; $739.1M total liabilities against $748.6M.
$659.8M net loans and leases against $664.3M; $669.0M total deposits against $685.3M.
$124.4M securities against $126.8M; $8.9M cash and balances due against $10.4M.
$10.8M total interest income against $11.1M; $4.6M total interest expense against $5.4M.
$6.2M net interest income against $5.7M.
$1.3M total noninterest income against $1.7M; $6.0M total noninterest expense against $6.1M.
-$25K provision for credit losses against $10K.
$1.2M net income against $901K.
0.57% return on assets against 0.43%; 3.11% net interest margin against 2.76%.
12.29% CET1 capital ratio against 12.19%; 9.91% tier 1 leverage ratio against 9.65%.
Inside the full Cibm Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Cibm Bank rankings
Its closest position to the top of a national ranking is 817 of 3,640, for Texas Ratio; its furthest is 3,259 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.05% (Q4 2025) to 0.57% (Q3 2024) and its net interest margin ran from 2.52% (Q4 2024) to 3.11% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.29% | 0.57% | 1.08% | 8.12% | 3.11% |
| Q1 2026 | 12.11% | 0.39% | 1.33% | 10.02% | 3.02% |
| Q4 2025 | 12.08% | -0.05% | 1.46% | 11.10% | 2.91% |
| Q3 2025 | 12.63% | 0.55% | 1.47% | 10.60% | 2.87% |
| Q2 2025 | 12.19% | 0.43% | 1.92% | 14.32% | 2.76% |
| Q1 2025 | 11.96% | 0.29% | 0.83% | 6.47% | 2.65% |
| Q4 2024 | 11.57% | 0.30% | 0.81% | 6.81% | 2.52% |
| Q3 2024 | 12.11% | 0.57% | 0.78% | 6.17% | 2.62% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cibm Bank (main office) | Champaign , IL | 61821 | $234.2M |
| Elm Grove Branch | Elm Grove , WI | 53122 | $139.5M |
| Bloomington Branch | Bloomington , IL | 61704 | $80.7M |
| Monticello Branch | Monticello , IL | 61856 | $54.8M |
| Peoria-Knoxville | Peoria , IL | 61614 | $50.2M |
| Urbana Branch | Urbana , IL | 61802 | $39.1M |
| Brookfield Branch | Brookfield , WI | 53045 | $35.7M |
| Wheaton Branch | Wheaton , IL | 60187 | $25.3M |
| Clearwater Branch | Indianapolis , IN | 46250 | $9.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 27, 2009 | Structure Change | Acquired Marine Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 26, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 8, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 8, 1998 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- May 29, 2004, Federal Reserve: Written Agreement: CIB Marine Bancshares, Inc.Pewaukee, WI
- Period: Most recent institution action May 29, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 109 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 764 applications, 557 loans originated, $202.2M originated, across 22 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 9 loans, $6.8M approved, $751K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cibm Bank
What are Cibm Bank's total assets?
As of the Q2 2026 filing, Cibm Bank reported total assets of $819.7 million in its FFIEC call report.
Where is Cibm Bank headquartered?
It is headquartered in Champaign, IL, United States.
When was Cibm Bank founded?
It was established in 1921, per the FDIC institution directory.
Is Cibm Bank FDIC-insured?
Yes. It 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.
What is Cibm Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.29% in its Q2 2026 call report, above regulatory requirements.
How many branches does Cibm Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cibm Bank's Texas Ratio?
Its Texas Ratio is 8.12% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Cibm Bank previously called?
The charter now named Cibm Bank has also operated as CIMB Bank (2009), CIB Marine Bank (2009), Central Illinois Bank (1998-2009), Central Illinois Bank, MC (1995-1998), Central Illinois Bank McLean County (1992-1995), per FDIC structure-change records.
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