Compared with Illinois
11 of 14
compared fees are above the median.
3 below, 0 about the same.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
9th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Illinois median
of 14 compared; 3 below, 0 about the same
See the feesFee schedule read Mar 11, 2026
Call-report figures are for CIBM Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Illinois median | Published fees above the Illinois median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | CIBM Bank's published fee schedule; Bank Fee Index medians | Current schedule | Mar 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.6% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (9th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $46K in Q2 2026, 29% below the same quarter a year earlier ($65K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 14 compared published fees sit above the Illinois median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Illinois medians for fees published by banks and credit unions.
Overdraft (OD)
Wire Transfer (Domestic Out)
Compared at $40, the middle of its prices
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 26% from Q3 2025 to Q2 2026, to $46K. Its share of revenue, 0.6%, is below the 2.1% median for banks with $300M to $1B in assets.
$46K
CIBM BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
CIBM Bank · $820M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| CIBM Bank(this institution) | Champaign, IL | $820M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Bridger, National Association | Bridger, MT | $803M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of the West | Grapevine, TX | $830M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Barwick Banking Company | Barwick, GA | $830M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens Bank | Corvallis, OR | $823M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| CNB St Louis Bank | Maplewood, MO | $813M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cumberland Valley National Bank & Trust Company | London, KY | $816M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank | Clewiston, FL | $811M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Century Bank | Tazewell, TN | $810M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Freedom Bank | Lebanon, TN | $818M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First State Bank of Middlebury | Middlebury, IN | $836M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Utah Bank | Salt Lake City, UT | $840M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hana Bank USA, National Association | Fort Lee, NJ | $835M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hebron Savings Bank | Hebron, MD | $839M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Macon Bank and Trust Company | Lafayette, TN | $821M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northeast Bank | Minneapolis, MN | $837M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Oregon Pacific Bank | Florence, OR | $825M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Platte Valley Bank | Torrington, WY | $809M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Premier Bank | Rock Valley, IA | $826M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| PromiseOne Bank | Duluth, GA | $812M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Quail Creek Bank | Oklahoma City, OK | $831M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Rollstone Bank & Trust | Fitchburg, MA | $816M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Royal Bank | Elroy, WI | $816M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Western State Bank | Garden City, KS | $802M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| West Shore Bank | Ludington, MI | $834M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wilson & Muir Bank & Trust Company | Bardstown, KY | $818M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.12 among 16 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
CIBM Bank does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for CIBM Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $46K | +$3K | +7.0% |
| Q1 2026 | $43K | −$19K | −30.6% |
| Q4 2025 | $62K | $0 | 0.0% |
| Q3 2025 | $62K | −$3K | −4.6% |
| Q2 2025 | $65K | +$6K | +10.2% |
| Q1 2025 | $59K | +$4K | +7.3% |
| Q4 2024 | $55K | −$5K | −8.3% |
| Q3 2024 | $60K | −$10K | −14.3% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, CIBM Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to CIBM Bank by share.
Amounts from CIBM Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early closing (account closed within 6 months of opening) Not applicable to CD accounts | $25Not compared: CD/IRA fee | Not stated | None |
| Dormant account | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account reconciliation assistance | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft-paid item | $34Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft-continuous | $8Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Debit card replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire transfer-outgoing domestic | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer-outgoing domestic: Exception | $50Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire transfer-incoming domestic | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire transfer-outgoing international | $60Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Wire Transfer-outgoing international: Exception | $75Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Wire transfer-incoming international | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier’s check | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money order | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop payment request | $34Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary checks | $1Not compared: Charged per page; comparison unavailable | per page | None |
Cash & Deposit | |||
| Night depository key | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Account Services | |||
| Legal service (levies, garnishments, subpoenas, etc.) | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Photocopies | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Mar 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where CIBM Bank operates, and what regulators and customers have on file.
Branch footprint
9 offices in 3 states, $669.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 3 | $328.1M | |
| 2 | $175.2M | |
| 1 | $80.7M | |
| 1 | $50.2M | |
| 1 | $25.3M | |
| 1 | $9.5M |
Champaign-Urbana, IL
3.8% of bank deposits, #5 of 33, down 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Busey Bank | 36.5% |
| JPMorgan Chase Bank, National Association | 13.4% |
| PNC Bank, National Association | 5.7% |
| First Mid Bank & Trust, National Association | 4% |
| First State Bank and Trust | 3.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Champaign-Urbana, IL, CIBM Bank holds 3.8% of bank deposits, #5 of 33, with 3 offices.
101 offices of 39 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 33 institutions shown. $8.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 3.8% share, 3 offices, #5 of 33
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
13 offices of 8 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve and Illinois Department of Financial and Professional Regulation
The Federal Reserve and Illinois Department of Financial and Professional Regulation have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve and Illinois Department of Financial and Professional Regulation, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.