Bank · FDIC insured
CIBM Bank
A $819.7M bank headquartered in Champaign, IL, with 9 branches in 3 states. Best rates: savings 0.10% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings630.10%at $10,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About CIBM Bank
CIBM Bank is a wholly owned subsidiary of CIB Marine Bancshares, Inc., operating under an Illinois commercial bank charter established in 1920.
Originally originating from an acquisition of Sidney Bancorp in 1985, the bank now operates branch offices across Illinois, Indiana, and Wisconsin.
The institution unified its brands under CIBM Bank in 2019 and operates a Government Guaranteed Lending Division servicing many states in the Midwest and Southeast.
- Headquarters
- 2913 W Kirby Ave, Champaign, IL 61821
- FDIC certificate
- 11729 ↗
Branches
9 branches in 3 states
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Illinois
6 branches
Champaign area · 3
- CIBM BankMain office2913 W Kirby Ave, Champaign, IL 61821Directions
- Monticello Branch204 S Market St, Monticello, IL 61856Directions
- Urbana Branch1514 N Cunningham Ave, Urbana, IL 61802Directions
Bloomington area · 1
- Bloomington Branch1801 E Empire St, Bloomington, IL 61704Directions
Peoria area · 1
- Peoria-Knoxville7815 N Knoxville Ave, Peoria, IL 61614Directions
Chicago area · 1
- Wheaton Branch330 S Naperville Rd, Wheaton, IL 60187Directions
Wisconsin
2 branches
- Brookfield Branch19601 W Bluemound Rd, Brookfield, WI 53045Directions
- Elm Grove Branch12700 W Bluemound Rd, Elm Grove, WI 53122Directions
Indiana
1 branch
- Clearwater Branch5120 E 82nd St, Indianapolis, IN 46250Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.91% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.08% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.48% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $100 | $81 | — |
- CapitalLeverage ratio9.91%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.08%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.48%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$100Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of CIBM Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.