2913 West Kirby Avenue
Champaign, IL 61821

Notable Rates APY Vs.Others
Savings 0.04% 2.20% →
1-Year CD 0.35% 2.20% →
2-Year CD 0.50% 2.20% →
5-Year CD 1.25% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

CIBM Bank is an FDIC insured institution located in Champaign, IL. It was founded in 1921 and has approximately $0.69 billion in assets. Customers can open an account at one of its 11 branches.

FDIC Insured Yes
FDIC Certificate # 11729
Date Established 1921
Assets $0.69 billion
Loans $0.53 billion
Deposits $0.56 billion
Capital $0.08 billion

For a more detailed analysis of CIBM Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 20, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $99,999 Learn MoreShow Less
3 Mo CD
0.15% $500 - Learn MoreShow Less
6 Mo CD
0.25% $500 - Learn MoreShow Less
12 Mo CD
0.35% $500 - Learn MoreShow Less
24 Mo CD
0.50% $500 - Learn MoreShow Less
36 Mo CD
0.75% $500 - Learn MoreShow Less
48 Mo CD
0.90% $500 - Learn MoreShow Less
60 Mo CD
1.25% $500 - Learn MoreShow Less

Fixed IRA
0.50% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.20% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $1 $4,999 Learn MoreShow Less

Loan Rates - February 20, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CIBM Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.375% 3.375% 0.00 ($22) $1,106 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to CIBM Bank
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CIBM Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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CIBM Bank Locations

Financial Details

CIBM Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CIBM Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
CIBM Bank U.S. Bank Average
8.17% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2019, CIBM Bank had $5,733,000 in non-current loans and $1,763,000 in owned real estate. To cover these potential losses it had $84,213,000 in equity and $7,541,000 in loans loss reserves. That gives it a Texas Ratio of 8.17%.

Return on Equity
CIBM Bank U.S. Bank Average
4.12% 9.72%

CIBM Bank has a Return on Equity of 4.12% versus the BestCashCow average of 9.72%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

CIBM Bank U.S. Bank Average
12.16% 12.89%

CIBM Bank has a Capitalization of 12.16% versus the BestCashCow average of 12.89. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

CIBM Bank Balance Sheet Analysis

As of September 30, 2019, CIBM Bank had assets of $692,392,000, loans of $526,313,000, and deposits of $563,100,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.12 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.53 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.61 billion
Total deposits $0.56 billion
      Interest-bearing deposits $0.49 billion
      Deposits held in domestic offices $0.56 billion
      % insured (estimated) 74.99%
Federal funds purchased and repurchase agreements $0.02 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.61 billion
      Shareholders’ Equity $0.08 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.02 billion
Total Interest Expense $0.01 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in CIBM Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Illinois, CIBM Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 39.06
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 7.80
Construction and Development Loans 4.21
Commercial Real Estate 40.63
Commercial and Industrial Loans 9.42
Farm Loans 0.00

Frequently Asked Questions About Cibm Bank

Branches and Savings

Is Cibm Bank FDIC insured?

Yes. It is covered under FDIC Certificate #11729.

Why does Cibm Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cibm Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cibm Bank a commercial bank?


Where are Cibm Bank locations?

See branch locations nearby.

Is Cibm Bank open on Saturdays?

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Does Cibm Bank offer mortgages?

Compare mortgage rates here.

Does Cibm Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cibm Bank offer personal loans?

Compare personal loan rates here.

Does Cibm Bank offer student loans?

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Background on The Bank

Who owns Cibm Bank?

How long has Cibm Bank been around?

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Does Cibm Bank have quick pay?

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Will Cibm Bank accept loose change?

Where is Cibm Bank headquarters?

Customer Reviews for CIBM Bank

  • December 26, 2017 |

    CDs 12 Month Rates

    Good people to deal with. Competitive rates better than CEFCU. Easy in/out processing of CD's & MM.

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