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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Champaign, IL · FDIC certificate #11729
CIBM BANK is an FDIC-insured institution based in Champaign, IL (FDIC certificate #11729). In its Q3 2026 Call Report it reported total assets of $804M, total deposits of $674M and net loans of $646M. Its primary federal regulator is FDIC.
Plain-language readout
CIBM BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $824M in Q1 2026 and were lowest at $804M in Q3 2026.
Total deposits were highest at $679M in Q1 2026 and lowest at $669M in Q2 2026.
Over the whole period total assets fell 2.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $804M | $674M | $646M | 0.48% | 4.90% | 3.12% |
| Q2 2026 | $820M | $669M | $660M | 0.48% | 4.86% | 3.08% |
| Q1 2026 | $824M | $679M | $667M | 0.39% | 3.99% | 3.03% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $8.9M | $9.6M | -$691K | -7.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $122.2M | $118.4M | +$3.8M | +3.2% |
| Equity securities with readily determinable fair values, not held for trading | $2.2M | $2.2M | -$10K | -0.5% |
| Loans and leases held for sale | $8.0M | $6.2M | +$1.8M | +29.7% |
| Net loans and leases (after allowance) | $651.8M | $660.8M | -$9.0M | -1.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $9.7M | $9.9M | -$138K | -1.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $379K | $389K | -$10K | -2.6% |
| All other assets | $16.5M | $17.0M | -$453K | -2.7% |
| Total assets | $819.7M | $824.4M | -$4.7M | -0.6% |
| Liabilities | ||||
| Total deposits | $669.0M | $678.7M | -$9.7M | -1.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $20.5M | $19.0M | +$1.5M | +8.1% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $37.5M | $33.5M | +$4.0M | +11.9% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $12.1M | $12.3M | -$152K | -1.2% |
| Total liabilities | $739.1M | $743.4M | -$4.3M | -0.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $276K | $276K | $0K | 0.0% |
| Surplus | $81.8M | $81.8M | $0K | 0.0% |
| Retained earnings | $1.6M | $1.7M | -$93K | -5.6% |
| Accumulated other comprehensive income | -$3.0M | -$2.8M | -$271K | -9.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $80.6M | $81.0M | -$364K | -0.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $7.2M | $9.0M | -$1.8M | -20.0% |
| Adjusted nonperforming assets | $7.2M | $9.0M | -$1.8M | -20.0% |
| Tangible equity plus allowance | $88.1M | $89.3M | -$1.1M | -1.3% |
| Texas ratio (gross) | 8.15% | 10.06% | -1.91 pts | See points |
| Texas ratio (adjusted) | 8.15% | 10.06% | -1.91 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 12.29% | 12.11% | +0.17 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.29% | 12.11% | +0.17 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.54% | 13.36% | +0.17 pts | See points |
| Tier 1 leverage (approximate) | 9.91% | 9.90% | +0.00 pts | See points |
| Construction and land loans to total capital | 31.63% | 29.15% | +2.48 pts | See points |
| Commercial real estate to total capital | 318.92% | 327.17% | -8.25 pts | See points |
| Dividend payout, year to date | 63.71% | 0.00% | +63.71 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -5.20% | -4.74% | -0.46 pts | See points |
| Liquidity | ||||
| Core deposits | $556.8M | $559.4M | -$2.5M | -0.4% |
| Non-core funding | $170.2M | $171.8M | -$1.6M | -1.0% |
| Loans to core deposits | 118.47% | 119.69% | -1.22 pts | See points |
| Loans to deposits | 98.60% | 98.64% | -0.04 pts | See points |
| Brokered deposits share of deposits | 9.81% | 10.54% | -0.74 pts | See points |
| Pledged securities share of securities | 38.39% | 40.38% | -1.99 pts | See points |
| Loans pledged, share of loans | 28.82% | 27.79% | +1.03 pts | See points |
| Volatile liabilities | $187.1M | $189.5M | -$2.4M | -1.2% |
| Earnings | ||||
| Earnings before provision, year to date | $2.8M | $1.3M | +$1.5M | +110.0% |
| Earnings before provision, single quarter | $1.5M | $1.3M | +$133K | +10.0% |
| Provision for credit losses, year to date | $243K | $268K | -$25K | -9.3% |
| Yield and cost | ||||
| Yield on loans and leases | 5.71% | 5.62% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 4.37% | 4.33% | +0.04 pts | See points |
| Total interest income to average assets | 5.29% | 5.22% | +0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 1.81% | 2.04% | -0.23 pts | See points |
| Cost of savings and money market deposits | 2.51% | 2.46% | +0.05 pts | See points |
| Cost of time deposits | 3.52% | 3.50% | +0.01 pts | See points |
| Total interest expense to average assets | 2.26% | 2.28% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $804M | $674M | $646M | 0.48% | 4.90% | 3.12% |
| 2026-06-30 | $820M | $669M | $660M | 0.48% | 4.86% | 3.08% |
| 2026-03-31 | $824M | $679M | $667M | 0.39% | 3.99% | 3.03% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IL | $512.5M | 0.07% | 108 | Continuing · -0.01 pp |
| WI | $158.5M | 0.08% | 138 | Continuing · -0.01 pp |
| IN | $14.3M | 0.01% | 129 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.