PackageTrendsPeer
Letter portraitLegal landscape

Cibm Bank

Champaign, IL · Cert 11729 · Cib Marine Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

39

Q2 2024Q2 2026peer median (50)

Asset Quality

22

Q2 2024Q2 2026peer median (50)

Profitability

22

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

23

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cibm Bank

Champaign, IL · Cert 11729 · Cib Marine Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$819.7MAssets
$667.7MLoans
$669.0MDeposits
$80.6MEquity
Loan mix
87%RE $579.8M13%C&I $89.7M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $577.8M14%Noninterest $91.2MQ2 2025Q2 2026

NIM

5.31%Q2 ’245.25%Q2 ’255.25%Q2 ’26+14%+13%

Non-interest income vs. expense

2.88%Q2 ’242.91%Q2 ’252.90%Q2 ’26+124%+6%

Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 3.8% share · #5 of 33 inst. · $0.3B of $8.7B

3.6% Champaign
0.9% Waukesha
1.8% McLean
8.5% Piatt

Executive Summary

  • Earnings: ROA of 0.48%, up 12 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 1.08% of loans (-85 bps YoY), with net charge-offs at 0.21%.
  • Capital: tier 1 leverage ratio of 9.91%, up 26 bps from a year ago.
  • Funding: loans stand at 99.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.48%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+34 bps YoY

Efficiency Ratio (YTD, annualized)

80.89%-500 bps YoY

Tier 1 Leverage Ratio

9.91%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.42%0.30%0.39%0.48%+12 bps
Return on Equity3.78%4.35%3.15%3.99%4.86%+108 bps
Net Interest Margin2.66%2.74%2.76%2.95%3.00%+34 bps
Efficiency Ratio85.89%84.51%84.77%81.39%80.89%-500 bps
Non-Interest Burden2.16%2.18%2.22%2.29%2.30%+14 bps
Growth
Asset Growth (YoY)-7.10%-5.90%-3.89%-2.31%-1.26%+584 bps
Loan Growth (YoY)-8.67%-8.78%-5.00%-2.42%-0.79%+787 bps
Deposit Growth (YoY)-11.85%-6.99%-4.43%-2.08%-2.37%+948 bps
Asset Quality
Nonperforming Loans / Loans1.92%1.47%1.46%1.33%1.08%-85 bps
Net Charge-Offs / Loans-0.01%-0.01%0.20%-0.05%0.21%+22 bps
Allowance / Loans1.31%1.32%1.25%1.29%1.18%-12 bps
Allowance Coverage of NPLs0.7x0.9x0.9x1.0x1.1x+0.4x
Capital
Tier 1 Leverage Ratio9.65%10.06%9.71%9.90%9.91%+26 bps
Total Risk-Based Capital13.45%13.88%13.33%13.36%13.54%+9 bps
Equity / Assets9.83%10.05%9.77%9.82%9.84%0 bps
Liquidity & Funding
Loans / Deposits98.22%94.36%101.73%99.55%99.80%+159 bps
Liquid Assets / Assets0.30%0.84%0.23%0.30%0.33%+3 bps
CRE / Total Capitaln/a456%470%472%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cibm Bank

Champaign, IL · Cert 11729 · Peer group: banks under $1B in assets (n=581-629) · Cib Marine Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$819.7MAssets
$667.7MLoans
$669.0MDeposits
$80.6MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 43% of banks under $1B in assets (rank 360 of 629).
  • Widest gap: net charge-offs / loans trails 85% of banks under $1B in assets (rank 496 of 581).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.48%

Rank 509 of 629

Net Interest Margin

3.00%

Rank 476 of 629

Efficiency Ratio

80.89%

Rank 488 of 629

Equity / Assets

9.84%

Rank 392 of 629

Non-interest income vs. expense

$4.9M$23.6MINCOMEEXPENSE
Unfavorable gap of $18.8M · efficiency ratio beats 23% of banks under $1B in assets
Bank 80.89%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.48%0.60%1.01%1.45%Beats 19%509 / 629
Return on Equity4.87%5.38%9.30%13.28%Beats 22%489 / 629
Net Interest Margin3.00%3.03%3.54%4.05%Beats 24%476 / 629
Efficiency Ratio80.89%58.35%67.79%79.08%Beats 23%488 / 629
Asset Quality
Nonperforming Loans / Loans1.08%0.09%0.46%1.20%Beats 28%418 / 581
Net Charge-Offs / Loans0.12%n/a0.01%0.06%Beats 15%496 / 581
Capital
Tier 1 Capital Ratio12.29%11.24%13.84%18.77%Beats 36%403 / 629
Total Risk-Based Capital Ratio13.54%11.58%14.43%19.66%Beats 43%360 / 629
Equity / Assets9.84%9.09%10.65%13.80%Beats 38%392 / 629
Liquidity & Funding
Loans / Deposits99.80%67.24%80.90%93.48%86th pctl81 / 594
Loans / Assets81.45%53.31%67.71%78.15%85th pctl95 / 629
Brokered Deposits / Depositsn/aNot reported for this institution