Cibm Bank: Bank Stress & Real-Estate Credit Exposure

Cibm Bank (FDIC Cert #11729) carries a DLRadar bank-stress score of 82/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

At the county level, Cibm Bank finances markets like Dupage County, IL, Marion County, IN, Champaign County, IL, Mclean County, IL — the specific places where its credit posture translates into local lending capacity. Cibm Bank runs a compact, regionally concentrated real-estate lending footprint — 7 U.S. counties across 3 states, spanning 219 ZIP codes. Its heaviest exposure sits in Illinois (5 counties), Indiana (1 county), Wisconsin (1 county). Because Cibm Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 82/100 reading stays current and directly comparable — a like-for-like number across 3 states and against any other institution. A severe score on a footprint this size means the markets Cibm Bank touches inherit a corresponding share of that lending pressure. Rather than a standalone rating, the severe score is tied to real markets — every one of the 219 ZIP codes Cibm Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The recent trend is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Because Cibm Bank is held under Cib Marine Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked. Cibm Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade.

For buyers, lender stress is an early map of supply: when Cibm Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.