CIBC Bank USA: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
CIBC Bank USA is the 42nd-largest bank in the United States, with $66.5 billion in assets at June 30, 2026, up 10.2% from a year earlier. It is headquartered in Chicago, Illinois. It spends about 37 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 53 cents). It also funds 14.34% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.25%).
Loans are outrunning deposits: over the year loans rose 14.6% and deposits rose 8.1%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.35% of loans, down from 1.70% a year earlier. Funding is the softer spot: it holds about two-thirds of its deposits (66%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 38.6%).
As of June 30, 2026, CIBC Bank USA reported a CET1 capital ratio of 16.86%, a return on assets of 1.84%, a nonperforming-loan ratio of 1.35% and a Texas ratio of 6.33%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 120 S La Salle St, Chicago, IL 60603
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 6, 1991
- Offices
- 8 domestic
- Employees (FTE)
- 2,547
- Domestic deposits
- $51.47B
- Allowance for credit losses
- $481.3M
- Net charge-offs (YTD)
- $53.4M
- Average total assets
- $64.22B
- Average total loans
- $41.82B
- Average interest-bearing deposits
- $48.21B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- February 6, 1991
- FDIC Cert
- 33306
- Fed RSSD
- 1842065
- Website
- us.cibc.com →
- Parent Holding Company
- CIBC BANCORP USA INC. (RSSD 5014141)
- Ultimate Parent
- CANADIAN IMPERIAL BANK OF COMMERCE (RSSD 1231342)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full CIBC Bank USA terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock CIBC Bank USA, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
CIBC Bank USA rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for CIBC Bank USA: Uninsured deposits, Efficiency ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.86% | 1.84% | 1.35% | 6.33% | 3.16% |
| Q1 2026 | 16.96% | 1.24% | 1.49% | 6.77% | 3.11% |
| Q4 2025 | 17.22% | 1.45% | 1.43% | 6.44% | 3.17% |
| Q3 2025 | 17.54% | 1.45% | 1.55% | 6.82% | 3.21% |
| Q2 2025 | 17.15% | 1.78% | 1.70% | 7.71% | 3.15% |
| Q1 2025 | 16.92% | 1.30% | 2.03% | 9.30% | 2.98% |
| Q4 2024 | 16.78% | 1.28% | 1.59% | 7.38% | 3.07% |
| Q3 2024 | 16.83% | 1.53% | 1.31% | 6.12% | 3.29% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| CIBC Bank USA (main office) | Chicago , IL | 60603 | $43.97B |
| Lincolnwood Branch | Lincolnwood , IL | 60712 | $3.57B |
| Birmingham Branch | Birmingham , MI | 48009 | $1.44B |
| Founders Bank Branch | Worth , IL | 60482 | $1.31B |
| The Privatebank St. Louis Branch | Saint Louis , MO | 63144 | $898.5M |
| Little Village Branch | Chicago , IL | 60623 | $112.2M |
| Florida Branch | Palm Beach , FL | 33480 | $107.5M |
| Bronzeville Branch | Chicago , IL | 60653 | $52.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2010 | Structure Change | Acquired The PrivateBank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 3, 2009 | Structure Change | Acquired Founders Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 2, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 1, 2009 | Structure Change | Acquired The PrivateBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 30, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2009 | Structure Change | Acquired The PrivateBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2008 | Structure Change | Acquired The PrivateBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 12, 2000 | Structure Change | Acquired Johnson Bank Illinois Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 11, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for CIBC Bank USA, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 6.7% of deposits in IL, rank 3 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 750 applications, 541 loans originated, $1.13B originated, across 31 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 41 loans, $29.8M approved, $727K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about CIBC Bank USA
What are CIBC Bank USA's total assets?
As of the Q2 2026 filing, CIBC Bank USA reported total assets of $66.50 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is CIBC Bank USA headquartered?
CIBC Bank USA is headquartered in Chicago, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was CIBC Bank USA founded?
CIBC Bank USA was established in 1991, per the FDIC institution directory.
Is CIBC Bank USA FDIC-insured?
Yes. CIBC Bank USA is an FDIC-insured commercial bank (FDIC Certificate #33306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CIBC Bank USA?
CIBC Bank USA's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is CIBC Bank USA's CET1 capital ratio?
CIBC Bank USA reported a Common Equity Tier 1 (CET1) capital ratio of 16.86% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does CIBC Bank USA operate?
CIBC Bank USA operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CIBC Bank USA's Texas Ratio?
CIBC Bank USA's Texas Ratio is 6.33% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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