🏦Bank Scorer

CIBM BANK

CHAMPAIGN, IL · Supervised by FDIC

Est. 1921FDIC #11,729RSSD: FDIC-11729
Part ofCIB MARINE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.39%

Institution Profile

FDIC BankFind

Address

2913 W Kirby Ave, CHAMPAIGN, IL

County

Champaign County

Established

January 1, 1921

Total Assets

$824M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$824M

Total Deposits

$679M

Net Loans

$667M

Net Income

$805K

ROA

0.39%

ROE

3.99%

Risk-Based Capital

13.36%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.78%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$685M

1-Year Change

0

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,08674.68%3.78%
20231,23573.36%6.15%
202288877.03%3.27%
20212,19783.39%2.00%
20202,85186.95%1.93%
20191,58481.76%4.55%
201898878.04%5.26%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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