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
Unfavorable gap of $18.8M · efficiency ratio beats 23% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.48% | 0.60% | 1.01% | 1.45% | Beats 19% | 509 / 629 | |
| Return on Equity | 4.87% | 5.38% | 9.30% | 13.28% | Beats 22% | 489 / 629 | |
| Net Interest Margin | 3.00% | 3.03% | 3.54% | 4.05% | Beats 24% | 476 / 629 | |
| Efficiency Ratio | 80.89% | 58.35% | 67.79% | 79.08% | Beats 23% | 488 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.08% | 0.09% | 0.46% | 1.20% | Beats 28% | 418 / 581 | |
| Net Charge-Offs / Loans | 0.12% | n/a | 0.01% | 0.06% | Beats 15% | 496 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.29% | 11.24% | 13.84% | 18.77% | Beats 36% | 403 / 629 | |
| Total Risk-Based Capital Ratio | 13.54% | 11.58% | 14.43% | 19.66% | Beats 43% | 360 / 629 | |
| Equity / Assets | 9.84% | 9.09% | 10.65% | 13.80% | Beats 38% | 392 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 99.80% | 67.24% | 80.90% | 93.48% | 86th pctl | 81 / 594 | |
| Loans / Assets | 81.45% | 53.31% | 67.71% | 78.15% | 85th pctl | 95 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |