Total Assets
$825M
Total balance-sheet footings
FDIC Cert #11729 · Champaign, Illinois · Est. 1921
CIBM Bank - FDIC Bank Health Profile
A community-scale look at CIBM Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $825M
- Total assets
- C
- Health grade · Fair
- 0.30%
- Return on assets
- 12.1%
- Tier 1 capital
Data updated July 2026
The verdict
CIBM Bank earns a PlainBankData health grade of C (58/100), with well-capitalized at 12.08% Tier 1, 0.30% ROA, 85% efficiency ratio.
- #1,234
- largest of 4,313 FDIC banks by assets
- 71st
- percentile by asset size, nationally
- 12.08%
- Tier 1 ratio - above the 10% well-capitalized line
- 10th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How CIBM Bank's 58/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
CIBM Bank's composite health score
Tier 1 Capital Ratio (12.08%) 35/40
Return on Assets (ROA) (0.30%) 7/25
Texas Ratio (11.09%) 16/20
Efficiency Ratio (84.77%) 0/15
58 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$663M
Customer-funded liabilities
Net Loans
$666M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where CIBM Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. CIBM Bank's score of 58/100 falls in the highlighted band.
CIBM Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). CIBM Bank's $825M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.08% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.08%
Texas Ratio
11.09%
Equity Capital
$81M
Profitability metrics
Return on Assets (ROA)
10th percentile nationally
0.30%
Return on Equity (ROE)
3.15%
Efficiency Ratio
84.77%
What the numbers say about CIBM Bank
CIBM Bank is an FDIC-insured institution (Certificate #11729) headquartered in Champaign, Illinois, established in 1921. It holds $825M in total assets - 1,234th of 4,313 FDIC-insured banks, $663M in customer deposits, and $666M in net loans. Its capital position: a Tier 1 ratio of 12.08%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 11.09% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (58 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
CIBM Bank sits 62nd of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$44M
Interest Income
$6M
Non-Interest Income
$25M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. CIBM Bank reports a Texas Ratio of 11.09% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.09% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) CIBM Bank (FDIC Cert #11729) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is CIBM Bank's health grade?▼
CIBM Bank receives a health grade of C (58/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is CIBM Bank?▼
CIBM Bank holds $825M in total assets and $663M in deposits, ranking 1,234th of 4,313 FDIC-insured banks by asset size. It is headquartered in Champaign, Illinois.
Is my money safe at CIBM Bank?▼
Yes, deposits at CIBM Bank (Certificate #11729) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is CIBM Bank's Tier 1 Capital Ratio?▼
CIBM Bank has a Tier 1 Capital Ratio of 12.08%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for CIBM Bank?▼
CIBM Bank has a Texas Ratio of 11.09%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is CIBM Bank?▼
CIBM Bank has an Efficiency Ratio of 84.77%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read CIBM Bank's profile as a depositor or analyst.
- CIBM Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare CIBM Bank against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.