Champaign, IL · Cert 11729 · Cib Marine Bancshares Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 3.8% share · #5 of 33 inst. · $0.3B of $8.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.54% | -0.05% | 0.39% | 0.56% | +13 bps | |
| Return on Equity | 4.46% | 5.46% | -0.46% | 3.99% | 5.73% | +127 bps | |
| Net Interest Margin | 2.71% | 2.80% | 2.84% | 2.95% | 3.04% | +33 bps | |
| Efficiency Ratio | 83.43% | 81.92% | 85.55% | 81.39% | 80.42% | -301 bps | |
| Non-Interest Burden | 2.11% | 2.12% | 2.33% | 2.29% | 2.31% | +20 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 / Loans | 1.92% | 1.47% | 1.46% | 1.33% | 1.08% | -85 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.00% | 0.84% | -0.05% | 0.47% | +49 bps | |
| Allowance / Loans | 1.31% | 1.32% | 1.25% | 1.29% | 1.18% | -12 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.9x | 0.9x | 1.0x | 1.1x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.65% | 10.06% | 9.71% | 9.90% | 9.91% | +26 bps | |
| Total Risk-Based Capital | 13.45% | 13.88% | 13.33% | 13.36% | 13.54% | +9 bps | |
| Equity / Assets | 9.83% | 10.05% | 9.77% | 9.82% | 9.84% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.22% | 94.36% | 101.73% | 99.55% | 99.80% | +159 bps | |
| Liquid Assets / Assets | 0.30% | 0.84% | 0.23% | 0.30% | 0.33% | +3 bps | |
| CRE / Total Capital | n/a | 456% | 470% | 472% | n/a | n/a | |