Cibm Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cibm Bank of Champaign, IL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.57% | 1.25% | -0.68% | 13th bottom |
| ROAE | 5.73% | 12.22% | -6.49% | 15th bottom |
| Net Interest Margin | 3.11% | 3.95% | -0.84% | 12th bottom |
| Efficiency Ratio | 80.40% | 63.71% | +16.69% | 12th bottom |
| PPNR / Avg Assets | 0.72% | — | — | 12th bottom |
| Yield on Earning Assets | 5.43% | 5.67% | -0.24% | 41st below |
| Cost of Funds | 2.57% | 1.87% | +0.70% | 13th bottom |
| Net Interest Spread | 2.54% | — | — | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.08% | 0.88% | +0.20% | 26th below |
| NPA / Total Assets | 0.88% | — | — | 23rd bottom |
| NCO / Avg Loans | 0.47% | 0.15% | +0.32% | 6th bottom |
| ACL / Total Loans | 1.18% | — | — | 49th below |
| ACL / NPLs (Coverage) | 109.98% | — | — | 29th below |
| Texas Ratio | 8.12% | 5.96% | +2.16% | 23rd bottom |
| Provision / NCO | -3.21% | — | — | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.29% | 17.18% | -4.89% | 20th bottom |
| Tier 1 Ratio | 12.29% | 17.21% | -4.92% | 20th bottom |
| Total Capital Ratio | 13.54% | — | — | 22nd bottom |
| Leverage Ratio | 9.91% | 11.75% | -1.84% | 29th below |
| Equity / Assets | 9.84% | 10.98% | -1.14% | 41st below |
| TCE / Tangible Assets | 9.83% | — | — | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.80% | 80.44% | +19.36% | 12th bottom |
| Core Deposit Ratio | 83.23% | 86.95% | -3.72% | 25th below |
| Wholesale Funding Ratio | 7.07% | — | — | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.26% | — | — | 12th bottom |
| Loan Growth (Y/Y) | -0.79% | — | — | 19th bottom |
| Deposit Growth (Y/Y) | -2.37% | — | — | 12th bottom |
See Cibm Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cibm Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cibm Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Cibm Bank peer analysis.