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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.74% | 0.29% | 0.36% | 0.42% | 0.30% | 0.39% | 0.48% | +12 bps | |
| Return on Equity | 9.56% | 8.04% | 3.08% | 3.78% | 4.35% | 3.15% | 3.99% | 4.86% | +108 bps | |
| Net Interest Margin | 2.42% | 2.50% | 2.60% | 2.66% | 2.74% | 2.76% | 2.95% | 3.00% | +34 bps | |
| Efficiency Ratio | 72.43% | 76.36% | 88.50% | 85.89% | 84.51% | 84.77% | 81.39% | 80.89% | -500 bps | |
| Non-Interest Burden | 1.27% | 1.54% | 2.21% | 2.16% | 2.18% | 2.22% | 2.29% | 2.30% | +14 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 | 0.02% | 0.01% | -0.01% | -0.01% | -0.01% | 0.20% | -0.05% | 0.21% | +22 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 | |