Bank Comparison
Cibm Bank vs Hebron Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 19
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Cibm Bank | Hebron Savings Bank |
|---|---|---|
| CET1 Ratio | 12.11% | 16.11% |
| Tier 1 Capital Ratio | 12.11% | 16.11% |
| Total Capital Ratio | 13.36% | 17.36% |
| Tier 1 Leverage Ratio | 9.90% | 13.44% |
| Equity / Assets | 9.82% | 12.79% |
Profitability
| Metric | Cibm Bank | Hebron Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.39% | 1.70% |
| Return on Equity (ROE) | 3.99% | 13.47% |
| Net Interest Margin (NIM) | 3.02% | 4.57% |
| Yield on Earning Assets | 5.35% | 5.60% |
| Cost of Funds | 2.54% | 1.13% |
Asset quality
| Metric | Cibm Bank | Hebron Savings Bank |
|---|---|---|
| Texas Ratio | 12.33% | 0.77% |
| Non-Performing Loan Ratio | 1.59% | 0.08% |
| Non-Performing Asset Ratio | 1.30% | 0.11% |
| Net Charge-Off Ratio | -0.05% | 0.01% |
| ACL / Loans | 1.29% | 1.33% |
Balance sheet
| Metric | Cibm Bank | Hebron Savings Bank |
|---|---|---|
| Total Assets | $824,403K | $821,929K |
| Total Deposits | $678,701K | $706,700K |
| Total Loans | $675,654K | $618,645K |
| Total Equity | $80,987K | $105,161K |
| Net Income (quarter) | $805 | $3,494K |
Liquidity & funding
| Metric | Cibm Bank | Hebron Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 99.55% | 87.54% |
| Core Deposit Ratio | 92.96% | 94.89% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cibm Bank | Hebron Savings Bank |
|---|---|---|
| Headquarters City | CHAMPAIGN | HEBRON |
| Headquarters State | IL | MD |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 9 | 13 |
| Employees (FTE) | 141 | 135 |
| Established | Jan. 1, 1921, midnight | June 11, 1910, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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