Cibm Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 11.9% higher than in Q1 2026, at $37.5M. On loan-to-deposit ratio, Cibm Bank ranks 18th highest among the 323 banks headquartered in Illinois, at 99.80% (Q2 2026). Cibm Bank reported 99.80% on loan-to-deposit ratio for Q2 2026, 19.25 points above the 80.55% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $8.9M |
| Cash and noninterest-bearing balances to assets | 1.08% |
| Cash and securities | $133.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $20.5M |
| Other borrowed money | $37.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.57% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.80% |
| Net loans and leases to deposits | 98.62% |
| Loans and leases to core deposits | 107.27% |
| Core deposits to total deposits | 83.23% |
| Brokered deposits to total deposits | 9.81% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 107.76% | 86.37% | $37.7M | $91.0M |
| Q4 2023 | 99.33% | 83.19% | $22.2M | $45.0M |
| Q1 2024 | 95.29% | 79.50% | $19.4M | $3.0M |
| Q2 2024 | 94.79% | 80.94% | $18.5M | $0 |
| Q3 2024 | 96.21% | 82.90% | $23.8M | $0 |
| Q4 2024 | 102.34% | 83.04% | $28.0M | $44.0M |
| Q1 2025 | 99.90% | 84.17% | $20.4M | $37.0M |
| Q2 2025 | 98.22% | 82.80% | $19.0M | $30.5M |
| Q3 2025 | 94.36% | 84.69% | $29.5M | $0 |
| Q4 2025 | 101.73% | 83.48% | $24.5M | $43.5M |
| Q1 2026 | 99.55% | 82.42% | $19.0M | $33.5M |
| Q2 2026 | 99.80% | 83.23% | $20.5M | $37.5M |
Cibm Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Cibm Bank, freeSource: Call Report Schedules RC and RC-M, 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)