Cibm Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 4.70 percentage points in Q2 2026, from 80.91% to 85.61%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Cibm Bank is 272nd of 323 on return on assets, 0.57% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Cibm Bank reported 0.57% on return on assets in Q2 2026, 0.69 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.29% |
| Tier 1 risk-based capital ratio | 12.29% |
| Total risk-based capital ratio | 13.54% |
| Tier 1 leverage ratio | 9.91% |
| Equity capital to assets | 9.84% |
| Tangible equity to tangible assets | 9.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.38% |
| Non-performing assets ratio | 1.13% |
| Net charge-off ratio | 0.47% |
| Texas ratio | 8.12% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 85.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.57% |
| Return on equity | 5.73% |
| Net interest margin | 3.11% |
| Efficiency ratio | 80.40% |
| Yield on earning assets | 5.43% |
| Cost of funds | 2.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.80% |
| Core deposits to total deposits | 83.23% |
| Brokered deposits to total deposits | 9.81% |
| Deposits to assets | 81.61% |
| Securities to assets | 15.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.06% | 11.06% | 12.31% | 9.05% | 0.28% |
| Q4 2023 | 10.79% | 10.79% | 12.04% | 8.76% | -0.31% |
| Q1 2024 | 10.66% | 10.66% | 11.91% | 8.64% | 0.18% |
| Q2 2024 | 11.47% | 11.47% | 12.72% | 9.10% | 1.84% |
| Q3 2024 | 12.11% | 12.11% | 13.36% | 9.47% | 0.57% |
| Q4 2024 | 11.57% | 11.57% | 12.82% | 9.12% | 0.30% |
| Q1 2025 | 11.96% | 11.96% | 13.21% | 9.45% | 0.29% |
| Q2 2025 | 12.19% | 12.19% | 13.45% | 9.65% | 0.43% |
| Q3 2025 | 12.63% | 12.63% | 13.88% | 10.06% | 0.55% |
| Q4 2025 | 12.08% | 12.08% | 13.33% | 9.71% | -0.05% |
| Q1 2026 | 12.11% | 12.11% | 13.36% | 9.90% | 0.39% |
| Q2 2026 | 12.29% | 12.29% | 13.54% | 9.91% | 0.57% |
Cibm Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cibm Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)