# CIBM BANK
CHAMPAIGN, IL · FDIC certificate 11729 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $819.7M | |
| Deposits | $669.0M | |
| Loans and leases | $667.7M | |
| Total equity | $80.6M | |
| Loans / deposits | 98.62% (p87 of band) | 82.04% |
| Liquid assets / assets | 16.26% (p19 of band) | |
| Uninsured deposits / deposits | 34.23% (p78 of band) | 25.97% |
| Brokered deposits | 8.00% | |
| Wholesale funding | 15.08% (p87 of band) | |
| FHLB advances / assets | 4.57% | |
| Tier 1 leverage | 9.91% (p31 of band) | 10.81% |
| Unrealized securities loss / equity | -7.90% (p50 of band) | -8.10% |
| AOCI / equity | -0.83% (p28 of band) | |
| ROA (annualized) | 0.48% (p11 of band) | 1.28% |
| Net interest margin | 3.08% (p12 of band) | 3.91% |
| Efficiency ratio | 80.89% (p90 of band) | |
| Noncurrent loans | 1.08% (p75 of band) | 0.43% |
| Net charge-offs (annualized) | 0.17% (p90 of band) | |
| Reserve coverage of noncurrent | 109.98% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 34.80% (p42 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $6.0M (7% of equity) (p96 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 142 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 2 |  | expense ratio p90, noncurrent p90 |
| 2011-12 | 3 | expense ratio p90 |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking | losing money, reserve under noncurrent |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 5 | charge-offs p90, reserve under noncurrent |  |
| 2013-06 | 6 | losing money |  |
| 2013-09 | 5 |  | reserve under noncurrent |
| 2013-12 | 2 |  | deposits shrinking, assets shrinking, losing money |
| 2014-03 | 1 |  | charge-offs p90 |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 0 |  | expense ratio p90, capital falling |
| 2016-09 | 1 | wholesale funding >15% |  |
| 2016-12 | 3 | capital falling, expense ratio p90 |  |
| 2017-03 | 0 |  | wholesale funding >15%, capital falling, expense ratio p90 |
| 2017-06 | 1 | wholesale funding >15% |  |
| 2017-09 | 2 | loans exceed deposits |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | expense ratio p90 | loans exceed deposits |
| 2018-06 | 3 | capital falling |  |
| 2018-09 | 2 |  | expense ratio p90 |
| 2018-12 | 2 | expense ratio p90 | capital falling |
| 2019-03 | 1 |  | wholesale funding >15% |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | wholesale funding >15% | expense ratio p90 |
| 2020-06 | 2 | loans exceed deposits |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | wholesale funding >15%, loans exceed deposits |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | assets shrinking |  |
| 2021-09 | 0 |  | assets shrinking |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | capital falling |  |
| 2022-12 | 1 | expense ratio p90 | capital falling |
| 2023-03 | 1 |  |  |
| 2023-06 | 5 | loans exceed deposits, wholesale funding >15%, capital falling, deposits shrinking |  |
| 2023-09 | 4 |  | deposits shrinking |
| 2023-12 | 3 |  | loans exceed deposits |
| 2024-03 | 5 | brokered >10%, NIM <2.5% |  |
| 2024-06 | 2 |  | expense ratio p90, wholesale funding >15%, capital falling |
| 2024-09 | 0 |  | brokered >10%, NIM <2.5% |
| 2024-12 | 3 | loans exceed deposits, wholesale funding >15%, deposits shrinking |  |
| 2025-03 | 4 | expense ratio p90, assets shrinking, uninsured deposits leaving | loans exceed deposits, wholesale funding >15% |
| 2025-06 | 4 | reserve under noncurrent | uninsured deposits leaving |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 | loans exceed deposits, wholesale funding >15% | deposits shrinking, assets shrinking |
| 2026-03 | 2 |  | expense ratio p90, loans exceed deposits |
| 2026-06 | 1 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-08-25 [CIMB Bank Integrates With Black Knight's Empower LOS - National Mortgage Professional](https://news.google.com/rss/articles/CBMilwFBVV95cUxQVUtKaFB0N2JxNUx4NWVETkh5b2hpR3kyRFJsNmJvZVRsdV8wbVhpdE10c29qa2JuVjd5T1VzQVFxY3NBdXVaaVNvVGpUYnl3WlRFWnJWby15WlJURHIxc2xlcHdCYl9JMW1KQUdrdjFNQVhqWGNkNjhNb2NIUS1ZUUVpRWdrckozYzg2VTVmdE4yWWZtaXBN?oc=5) · National Mortgage Professional
- 2026-03-23 [Lake Shore Bank staves off proxy war - Yahoo Finance](https://news.google.com/rss/articles/CBMilgFBVV95cUxPWjV2VklyYUJmY2JsQlctdTg4T2FoNEtLYnd5ekhpZ25QeHJBOTFOZnRYSkVvOWlpcWRPOXlDZDYwb0dRcmxYVm5RTUZYbExoUkRlNHRoVUc3bWE1X1ZUaENmYXIySWd1SHF2Z0JhMHdOY0JSTHZNSmhWSmtBUERmaVdYZnI4NjVmNmpjZ1VRblYtU2c2R0E?oc=5) · Yahoo Finance
- 2020-09-11 [CIB Marine Bancshares, Inc. Announces 1:15 Reverse Split of Common Stock - GlobeNewswire](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQOHFydTMzME55dkg2eTgybkFhWHRuMElHRUNReTBEV1RRWEw2M204OFVYNkJSQS1jMzE2NEtwX0xJWnZaM0s2VWJ4djFSVDNscjF1Z2Q3Mm9vU1gwdnhnTldOVGJ6b2E1UUlfQWRhaGRWNDFZZGpJbEYwVFhyOHhMOUdJeFM4TE41dkdyYlJScHZLV18ydDVGbXJYbVhHaE42RVc5VGk4UDhmbFBTbEZCMGltR3ZZa0RzRHp1NHV1djJOYWdNM3JpdjFBcmFkNmlmQTVVZXhUa19CZw?oc=5) · GlobeNewswire
- 2022-04-15 [City of Champaign Partners with Down Payment Assistance Programs - City of Champaign (.gov)](https://news.google.com/rss/articles/CBMiogFBVV95cUxNSWR4U2lRN3JNZmNJdG9NWGs5blM2VE5mVUVNS1RKcUZkUWk5b1I0eGNUNHhnbXBqYjQxQWtHMlphMV96azdiQ1FielpHS2R0ZjJFWVRyREtKbjM3SEtaVFlLYU9NQmNzUmp2bUVmNDY0YkZ4SW9pTHI2ODFOS1dIbF9LUVg3TXBmYkM2UzhlTmZRWk1vY2xBcllYYVI3SDZkbmc?oc=5) · City of Champaign (.gov)
- 2026-07-13 [CIB Marine Bancshares, Inc. Announces Second Quarter 2026 Results - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2021-03-15 [Scott Weller: 2021 candidate for Wheaton City Council, South District - Daily Herald](https://news.google.com/rss/articles/CBMirwFBVV95cUxOdWhLZk16R0cyeEJYdFRLa3NUUEtILUNjaDBFcU15ZmtpUmNRSHNhYzRIMnZUR0tDYS1zUEdXRVhyam9pTHJ5QXhKdV81dnFNUzRpa2p4X1VVLVpfRVcwR3FOMkVRT0hIVVpsQnpobEw3djljWE42Y2J2SFBUV0hoS2o5U3dsQmxYQTBZa1Z0bmN5N3V0SkE3bmJYazY5N3Zpc0pfSE5qMHN2SjFETGdj?oc=5) · Daily Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11729 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/17.json (key "11729", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide