BlastPoint's Banking Scorecard
CIBM Bank
Community
Specialty: Commercial
IL
FDIC cert 11729
Champaign, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
CIBM Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 5% in Community
- - Liquidity Strain: Bottom 8% in Community
- - Deposit Outflow: Bottom 36% in Community
- - Capital Constraint: Bottom 65% in Community
- - Return on Assets 0.86% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$825.0M
-3.9% YoY
-0.4% QoQ
|
-$566.4M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$666.3M
-5.0% YoY
+1.9% QoQ
|
-$309.2M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$663.3M
-4.4% YoY
-5.6% QoQ
|
-$501.3M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
0.30%
-58.7% YoY
-27.4% QoQ
|
-0.86% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.83%
+11.7% YoY
+1.3% QoQ
|
-0.83% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
84.77%
+11.0% YoY
+0.3% QoQ
|
+22.14% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
1.48%
+81.5% YoY
-0.5% QoQ
|
+0.85% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
100.45%
-0.6% YoY
+7.9% QoQ
|
+17.39% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.32%
+4.4% YoY
-2.2% QoQ
|
-7.73% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
1.20%
+73.3% YoY
+1.8% QoQ
|
+0.70% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
12.08%
+4.4% YoY
-4.4% QoQ
|
+1.83% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.76%
-50.5% YoY
+25.4% QoQ
|
+0.02% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Efficiency Drag
risk
#8 of 152 · Bottom 5% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
84.77%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#43 of 513 · Bottom 8% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
100.45%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#91 of 248 · Bottom 36% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Capital Constraint
risk
#31 of 47 · Bottom 65% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
100.45%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
12.08%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.30%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
75
75th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.08% · Tier avg: 10.24%
47
47th pctile
Total Loans
Current: $666.3M · Tier avg: $975.5M
37
37th pctile
Total Assets
Current: $825.0M · Tier avg: $1.4B
35
35th pctile
Total Deposits
Current: $663.3M · Tier avg: $1.2B
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.32% · Tier avg: 21.05%
16
16th pctile
Delinquency Rate
Current: 1.48% · Tier avg: 0.63%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.20% · Tier avg: 0.50%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.45% · Tier avg: 83.06%
12
12th pctile
Net Interest Margin
Current: 2.83% · Tier avg: 3.66%
6
6th pctile
Efficiency Ratio
Current: 84.77% · Tier avg: 62.63%
6
6th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.16%
Top Weaknesses
6
6th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.16%
6
6th pctile
Efficiency Ratio
Current: 84.77% · Tier avg: 62.63%
12
12th pctile
Net Interest Margin
Current: 2.83% · Tier avg: 3.66%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.45% · Tier avg: 83.06%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.20% · Tier avg: 0.50%
16
16th pctile
Delinquency Rate
Current: 1.48% · Tier avg: 0.63%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.32% · Tier avg: 21.05%
35
35th pctile
Total Deposits
Current: $663.3M · Tier avg: $1.2B
37
37th pctile
Total Assets
Current: $825.0M · Tier avg: $1.4B
47
47th pctile
Total Loans
Current: $666.3M · Tier avg: $975.5M
48
48th pctile
Tier 1 Capital Ratio
Current: 12.08% · Tier avg: 10.24%
75
75th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%