Cibm Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Retained earnings fell 5.6% in Q2 2026 to $1.6M, the biggest move on this page. Within Illinois, Cibm Bank is 147th of 198 on CET1 ratio, 12.29% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Cibm Bank sits 2.80 points lower, at 12.29% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.29% |
| Tier 1 risk-based capital ratio | 12.29% |
| Total risk-based capital ratio | 13.54% |
| Tier 1 leverage ratio | 9.91% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $80.5M |
| Tier 1 capital | $80.5M |
| Total risk-based capital | $88.7M |
| Total equity capital | $80.6M |
| Risk-weighted assets | $655.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.84% |
| Tangible equity to tangible assets | 9.83% |
| Equity capital to average assets | 9.88% |
| Internal capital growth rate | -0.46% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $276K |
| Common stock surplus | $81.8M |
| Retained earnings | $1.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$3.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.06% | 11.06% | 12.31% | 9.05% | $682.2M |
| Q4 2023 | 10.79% | 10.79% | 12.04% | 8.76% | $712.8M |
| Q1 2024 | 10.66% | 10.66% | 11.91% | 8.64% | $724.6M |
| Q2 2024 | 11.47% | 11.47% | 12.72% | 9.10% | $709.4M |
| Q3 2024 | 12.11% | 12.11% | 13.36% | 9.47% | $698.4M |
| Q4 2024 | 11.57% | 11.57% | 12.82% | 9.12% | $678.4M |
| Q1 2025 | 11.96% | 11.96% | 13.21% | 9.45% | $665.1M |
| Q2 2025 | 12.19% | 12.19% | 13.45% | 9.65% | $662.9M |
| Q3 2025 | 12.63% | 12.63% | 13.88% | 10.06% | $652.9M |
| Q4 2025 | 12.08% | 12.08% | 13.33% | 9.71% | $660.8M |
| Q1 2026 | 12.11% | 12.11% | 13.36% | 9.90% | $664.2M |
| Q2 2026 | 12.29% | 12.29% | 13.54% | 9.91% | $655.3M |
Cibm Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cibm Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cibm Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11729) · FFIEC NIC profile (RSSD 340742)