CIBM Bank is a state-chartered bank headquartered in Champaign, Illinois, in business for about 105 years. At the end of Q2 2026 it reported $819.7M in total assets and $669.0M in deposits, with 9 offices across 3 states.
Based on its Q2 2026 filing, CIBM Bank scores 53/100, which we describe as below average. That is higher than only 9% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 279th. Its strongest component is problem-loan coverage (84/100; 8.1%), and its lowest is earnings (39/100; 0.48%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 10 points (43 → 53), mostly because the loan quality component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 58 |
| Q4 2024 | 55 |
| Q1 2025 | 53 |
| Q2 2025 | 43 |
| Q3 2025 | 49 |
| Q4 2025 | 46 |
| Q1 2026 | 50 |
| Q2 2026 | 53 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.10% |
| Q3 2024 | 9.47% |
| Q4 2024 | 9.12% |
| Q1 2025 | 9.45% |
| Q2 2025 | 9.65% |
| Q3 2025 | 10.06% |
| Q4 2025 | 9.71% |
| Q1 2026 | 9.90% |
| Q2 2026 | 9.91% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.78% |
| Q4 2024 | 0.81% |
| Q1 2025 | 0.83% |
| Q2 2025 | 1.92% |
| Q3 2025 | 1.47% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.33% |
| Q2 2026 | 1.08% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.02% |
| Q3 2024 | 0.88% |
| Q4 2024 | 0.74% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.36% |
| Q3 2025 | 0.42% |
| Q4 2025 | 0.30% |
| Q1 2026 | 0.39% |
| Q2 2026 | 0.48% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $819.7M | 9.91% | 1.08% | 0.48% | 98.6% |
| Q1 2026 | 50 | $824.4M | 9.90% | 1.33% | 0.39% | 98.3% |
| Q4 2025 | 46 | $825.0M | 9.71% | 1.46% | 0.30% | 100.5% |
| Q3 2025 | 49 | $828.5M | 10.06% | 1.47% | 0.42% | 93.1% |
| Q2 2025 | 43 | $830.2M | 9.65% | 1.92% | 0.36% | 96.9% |
| Q1 2025 | 53 | $843.9M | 9.45% | 0.83% | 0.29% | 98.6% |
| Q4 2024 | 55 | $858.4M | 9.12% | 0.81% | 0.74% | 101.1% |
| Q3 2024 | 58 | $880.5M | 9.47% | 0.78% | 0.88% | 95.0% |
| Q2 2024 | 58 | $893.7M | 9.10% | 0.80% | 1.02% | 93.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Millennium BankBank Des Plaines, IL | 33 out of 100, Low | $844.5M | 9.4% | 4.37% | vs |
| Sauk Valley Bank & Trust CompanyBank Sterling, IL | 57 out of 100, Moderate | $790.8M | 8.8% | 0.87% | vs |
| First Savings Bank of HegewischBank Chicago, IL | 84 out of 100, Strong | $787.0M | 14.9% | 0.06% | vs |
| Home State Bank, National AssociationBank Crystal Lake, IL | 82 out of 100, Strong | $776.0M | 11.8% | 0.07% | vs |
| Resource Bank, National AssociationBank Dekalb, IL | 50 out of 100, Below average | $868.6M | 8.5% | 2.44% | vs |
Deposit insurance
Is my money safe at CIBM Bank?
Yes. CIBM Bank is an FDIC-insured institution (FDIC certificate #11729). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.2% of deposits ($229.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.91%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.54% (benchmark: 10%).
9 locations
Branches
CIBM Bank lists 9 offices in 9 cities across 3 states. Most locations:
- Bloomington, IL (1)
- Brookfield, WI (1)
- Champaign, IL (1)
- Elm Grove, WI (1)
- Indianapolis, IN (1)
- Monticello, IL (1)
- Peoria, IL (1)
- Urbana, IL (1)
- Wheaton, IL (1)
HMDA 2025
Mortgage lending
In 2025, CIBM Bank reported 742 home-loan applications under HMDA (LEI 549300RIPPSJXAQKZ383): 557 originated ($202,245,000 total), 27 denied, and 152 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- CIBM Bank
- Former names
- Central Illinois Bank; Central Illinois Bank, MC; CIB Marine Bank; CIMB Bank; Arrowsmith State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11729
- RSSD ID
- 340742
- Primary regulator
- FDIC
- Holding company
- Cib Marine Bancshares Inc
- Established
- January 1, 1921
- Headquarters
- 2913 W Kirby Ave, Champaign, IL 61821
- Website
- www.cibmbank.com
- Employees
- 142
Quick answers
CIBM Bank: common questions
Is CIBM Bank FDIC insured?
Yes. CIBM Bank is an FDIC-insured institution (FDIC certificate #11729). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is CIBM Bank's TellerScore?
53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has CIBM Bank ever failed?
There is no failure record for FDIC certificate #11729 in the FDIC failed bank list.
How many branches does CIBM Bank have?
9 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Champaign
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Federal Savings Bank of Champaign UrbanaBank Champaign, IL | 90 out of 100, Very strong | $192.5M | 12.7% | 0.09% | vs |
| Community Plus Federal Credit UnionCredit union Rantoul, IL | 90 out of 100, Very strong | $28.1M | 18.4% | 0.51% | vs |
| Clifford-Jacobs Employees Credit UnionCredit union Champaign, IL | 86 out of 100, Very strong | $1.2M | 55.5% | 0.16% | vs |
| Villa Grove State BankBank Villa Grove, IL | 86 out of 100, Very strong | $85.9M | 12.2% | 0.00% | vs |
| BankChampaign, National AssociationBank Champaign, IL | 84 out of 100, Strong | $242.8M | 11.8% | 0.00% | vs |
| Bank of RantoulBank Rantoul, IL | 82 out of 100, Strong | $285.8M | 10.8% | 0.00% | vs |