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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.30% | 0.29% | 0.43% | 0.54% | -0.05% | 0.39% | 0.56% | +13 bps | |
| Return on Equity | 6.11% | 3.20% | 3.08% | 4.46% | 5.46% | -0.46% | 3.99% | 5.73% | +127 bps | |
| Net Interest Margin | 2.57% | 2.47% | 2.60% | 2.71% | 2.80% | 2.84% | 2.95% | 3.04% | +33 bps | |
| Efficiency Ratio | 82.35% | 91.71% | 88.50% | 83.43% | 81.92% | 85.55% | 81.39% | 80.42% | -301 bps | |
| Non-Interest Burden | 1.88% | 2.19% | 2.21% | 2.11% | 2.12% | 2.33% | 2.29% | 2.31% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.64% | -3.64% | -5.12% | -7.10% | -5.90% | -3.89% | -2.31% | -1.26% | +584 bps | |
| Loan Growth (YoY) | 3.32% | -2.86% | -6.93% | -8.67% | -8.78% | -5.00% | -2.42% | -0.79% | +787 bps | |
| Deposit Growth (YoY) | 15.72% | -5.72% | -11.22% | -11.85% | -6.99% | -4.43% | -2.08% | -2.37% | +948 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.78% | 0.81% | 0.83% | 1.92% | 1.47% | 1.46% | 1.33% | 1.08% | -85 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | -0.01% | -0.02% | 0.00% | 0.84% | -0.05% | 0.47% | +49 bps | |
| Allowance / Loans | 1.23% | 1.24% | 1.27% | 1.31% | 1.32% | 1.25% | 1.29% | 1.18% | -12 bps | |
| Allowance Coverage of NPLs | 1.6x | 1.5x | 1.5x | 0.7x | 0.9x | 0.9x | 1.0x | 1.1x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.47% | 9.12% | 9.45% | 9.65% | 10.06% | 9.71% | 9.90% | 9.91% | +26 bps | |
| Total Risk-Based Capital | 13.36% | 12.82% | 13.21% | 13.45% | 13.88% | 13.33% | 13.36% | 13.54% | +9 bps | |
| Equity / Assets | 9.79% | 9.12% | 9.49% | 9.83% | 10.05% | 9.77% | 9.82% | 9.84% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.21% | 102.34% | 99.90% | 98.22% | 94.36% | 101.73% | 99.55% | 99.80% | +159 bps | |
| Liquid Assets / Assets | 0.79% | 0.11% | 0.22% | 0.30% | 0.84% | 0.23% | 0.30% | 0.33% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 456% | 470% | 472% | n/a | n/a | |