CIBC Bank USA
CIBC Bank USA reported total assets of $66.5 bn at Q2 2026, up 10.2% on a year earlier, the 43rd largest of 497 banks in our US coverage. The CET1 capital ratio at CIBC Bank USA was 16.86%, and the uninsured share of CIBC Bank USA was 65.90%. Source: FDIC Call Reports.
Key takeaways
- CIBC Bank USA has one of the highest uninsured share of domestic deposits readings among banks of $10 bn to $100 bn: 65.90% at , against a median of 38.56% across 126 banks (FDIC Call Reports).
- At 14.34%, the tier 1 leverage ratio of CIBC Bank USA sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 10.25% (FDIC Call Reports).
- On noncurrent loans to total loans, CIBC Bank USA climbed from 476th to 410th among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets CIBC Bank USA apart
How large is CIBC Bank USA?
The balance sheet of CIBC Bank USA at : assets $66.5 bn, deposits $51.5 bn, net loans $42.8 bn (loans equal to 83.22% of deposits). Securities make up 14.8% of total assets at CIBC Bank USA. Since , when CIBC Bank USA held $17.7 bn, its assets grew 276.8%. In the year to , deposits at CIBC Bank USA rose 8.1% while its total assets rose 10.2%. At , CIBC Bank USA employed 2,547 full-time equivalent staff across 13 offices, about $26.1 mn of assets per employee and $4.0 bn of deposits per office.
How much funding at CIBC Bank USA is uninsured?
At CIBC Bank USA, uninsured deposits (above the FDIC limit) made up 65.90% of domestic deposits at (+1.29 pp on a year earlier); CIBC Bank USA ranks 18th of 500 on this measure. In dollars, CIBC Bank USA estimated $33.9 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $51.5 bn | +8.1% | 46th of 499 |
| Net loans and leases | $42.8 bn | +14.8% | 45th of 500 |
| Loan-to-deposit ratio | 83.22% | +4.84 pp | 299th of 500 |
| Tier 1 leverage ratio | 14.34% | +0.57 pp | 34th of 500 |
| Total risk-based capital ratio | 17.98% | -0.42 pp | 70th of 448 |
| Net interest margin | 3.14% | +0.07 pp | 381st of 500 |
| Return on assets (ROA) | 1.51% | +0.00 pp | 151st of 500 |
| Efficiency ratio | 36.69% | +1.18 pp | 43rd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $65.9 mn | Narrowed by $8.3 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $33.1 mn | Narrowed by $219,000 | |
| Noncurrent loans to total loans | 1.35% | -0.35 pp | 410th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.26% | +0.03 pp | 376th of 500 (1 = lowest) |
US rank of CIBC Bank USA: 1 = highest unless marked 1 = lowest.
Balance sheet
CIBC Bank USA: assets, deposits and loans
- Total assets $66.5bn
- Deposits $51.5bn
- Net loans $42.8bn
Capital and securities
The CET1 ratio of CIBC Bank USA stood at 16.86% in , -0.29 pp year on year. Low and high at CIBC Bank USA since : 10.98% () to 17.54% (). Equity capital of CIBC Bank USA at : $11.6 bn, or 17.4% of total assets. CIBC Bank USA also reported a total capital ratio of 17.98% for , and a tier 1 leverage ratio of 14.34%.
On held-to-maturity securities, CIBC Bank USA carried an unrealized loss of $65.9 mn at , equal to 0.6% of equity capital. The loss narrowed by $8.3 mn over the year. Its deepest point: $219.5 mn in . The available-for-sale portfolio of CIBC Bank USA showed an unrealized loss of $33.1 mn at ; the loss narrowed by $219,000 over the year.
CIBC Bank USA: capital ratios
- Total capital 18%
- CET1 17%
- Tier 1 leverage 14%
CIBC Bank USA: unrealized securities gains and losses
- Available for sale -$33mn
- Held to maturity -$66mn
Profitability and loan quality
For the year to , CIBC Bank USA earned a return on equity of 8.67%; return on assets: 1.51%. Net interest margin at CIBC Bank USA: 3.14%, +0.07 pp in a year. CIBC Bank USA net income: $492.5 mn, up 6.9% year on year. The efficiency ratio of CIBC Bank USA was 36.69%: about 37 cents cost per revenue dollar, against 50 cents at the median peer.
At , noncurrent loans were 1.35% of total loans at CIBC Bank USA; net charge-offs: 0.26% of average loans. Gross loans and leases at CIBC Bank USA: $43.3 bn, up 14.6% in a year.
CIBC Bank USA: profitability
- Return on equity 8.7%
- Net interest margin 3.1%
- Return on assets 1.5%
Peer group of CIBC Bank USA
The peer group of CIBC Bank USA is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of CIBC Bank USA (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Illinois. Against them, CIBC Bank USA shows CET1 ratio 16.86% against a peer median of 12.19%, return on equity 8.67% against a peer median of 11.38% and uninsured deposit share 65.90% against a peer median of 41.51%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Old National Bank | National bank | IN | $73.9 bn | 11.34% | 12.44% | 43.27% | |
| UMB Bank | National bank | MO | $71.9 bn | 11.75% | 13.06% | 63.56% | |
| SouthState Bank | National bank | FL | $68.8 bn | 12.17% | 9.97% | 37.77% | |
| CIBC Bank USA | State member bank | IL | $66.5 bn | 16.86% | 8.67% | 65.90% | |
| Valley National Bank | National bank | NJ | $66.2 bn | 12.28% | 8.45% | 39.75% | |
| Columbia Bank | State nonmember bank | OR | $65.4 bn | 12.21% | 10.33% | 39.45% | |
| Banco Popular de Puerto Rico | State member bank | PR | $63.3 bn | 16.40% | 21.78% | 59.76% | |
. FDIC Call Reports.
Last eight quarters
Two years at CIBC Bank USA, to : assets +12.9%, deposits +9.8%, equity +16.2%. Staff 2,412 to 2,547; offices 24 to 13.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $58.9 bn | $61.5 bn | $61.3 bn | $60.4 bn | $61.5 bn | $64.0 bn | $65.1 bn | $66.5 bn |
| Total deposits | $46.9 bn | $49.4 bn | $48.9 bn | $47.6 bn | $48.3 bn | $50.8 bn | $51.0 bn | $51.5 bn |
| Bank equity capital | $10.0 bn | $10.1 bn | $10.4 bn | $10.7 bn | $10.9 bn | $11.2 bn | $11.3 bn | $11.6 bn |
| CET1 ratio | 16.83% | 16.78% | 16.92% | 17.15% | 17.54% | 17.22% | 16.96% | 16.86% |
| Return on equity (ROE) | 9.44% | 9.01% | 7.59% | 8.86% | 8.60% | 8.50% | 6.99% | 8.67% |
| Uninsured share of domestic deposits | 63.49% | 63.66% | 64.30% | 64.61% | 65.74% | 66.42% | 66.33% | 65.90% |
| Full-time equivalent employees | 2,412 | 2,479 | 2,450 | 2,458 | 2,606 | 2,610 | 2,586 | 2,547 |
| Number of offices | 24 | 24 | 24 | 24 | 23 | 21 | 15 | 13 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by CIBC Bank USA appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of CIBC Bank USA?
CIBC Bank USA reported $66.5 bn at in its Call Report. That makes CIBC Bank USA the 43rd largest of 497 banks in our US coverage.
Is CIBC Bank USA the same as its holding company?
No. This page covers CIBC Bank USA, FDIC certificate 33306; CANADIAN IMPERIAL BK OF COM (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is CIBC Bank USA profitable?
CIBC Bank USA reported net income of $492.5 mn for the year to ; annualized return on equity: 8.67%. So yes: CIBC Bank USA made a profit over these months.
When is data for CIBC Bank USA next updated?
Figures from CIBC Bank USA for are due after .
Where can I check the figures for CIBC Bank USA?
In the FDIC BankFind Suite record for certificate 33306, and in the Call Reports of CIBC Bank USA (RSSD ID 1842065) at the FFIEC Central Data Repository.