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Cibm Bank
Champaign, IL · FDIC Certificate #11729 · Chartered 01/0
Total assets
$819.74M
Total deposits
$669.02M
Total equity
$80.62M
Net loans
$659.80M
Branches (offices)
9
Net income (YTD)
$1.96M
Rank: #1,228 of 4,213 U.S. banks by assets · #63 of 322 in Illinois. Assets changed -1.3% and deposits -2.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.48% |
| Return on equity | 4.86% |
| Net interest margin (YTD) | 3.08% |
| Equity to assets | 9.84% |
| Tier 1 leverage ratio | 9.91% |
| Uninsured deposits (share of deposits) | 34.2% |
| Noncurrent loans (share of loans) | 1.08% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 98.6% |
| Real estate loans (share of loans) | 86.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $568.36M | 86.1% | |
| Commercial & industrial | $92.53M | 14.0% | |
| Consumer / individual | $742.00K | 0.1% | |
| Construction & development | $28.05M | 4.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $766.42M | $656.03M | $2.12M | $77.12M |
| Jun 2023 | $811.30M | $622.58M | $1.82M | $77.03M |
| Jun 2024 | $893.70M | $777.41M | $4.55M | $82.71M |
| Jun 2025 | $830.22M | $685.27M | $1.51M | $81.64M |
| Jun 2026 | $819.74M | $669.02M | $1.96M | $80.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $484.27M | 6 |
| Wisconsin | $175.22M | 2 |
| Indiana | $9.53M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $669.02M.
Similar-sized banks
Macon Bank And Trust Company ($820.51M) · Wilson & Muir Bank & Trust Company ($818.40M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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