CIBC Bank USA
CIBC Bank USA is an FDIC-insured commercial bank headquartered in Chicago, IL, supervised by the Federal Reserve, with $68.25B in total assets at Q3 2026, up 11.0% from Q3 2025, the 3rd largest of 319 banks headquartered in Illinois. It was established in 1991 and holds FDIC certificate 33306. Its CET1 capital ratio was 16.69% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 33306
- Headquarters
- Chicago, IL
- Established
- 1991
- Total assets, Q3 2026
- $68.25B
- Assets vs Q3 2025
- +11.0%
- CET1 ratio, Q3 2026
- 16.69%
- Domestic offices
- 13 branches
- Routing number
- 071006486
- Safety and soundness
- Is CIBC Bank USA safe?
- Latest call report
- Q3 2026, FFIEC 041 · CIBC Bank USA call report
- Holding company
- CIBC BANCORP USA INC.
- Asset rank in state
- 3rd of 319 in Illinois
CIBC Bank USA is the 42nd-largest bank in the United States, with $68.3 billion in assets at September 30, 2026, up 11.0% from a year earlier. It is headquartered in Chicago, Illinois, and operates 13 domestic branches. It spends about 33 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 124 banks with $10 billion to $100 billion in assets (median 53 cents). It also funds 13.79% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.21%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.94% of loans, down from 1.55% a year earlier. Earnings jumped: net income for the quarter was $289 million, 32% above the same quarter a year earlier. Funding is the softer spot: it holds about two-thirds of its deposits (67%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 39.4%).
As of September 30, 2026, CIBC Bank USA reported a CET1 capital ratio of 16.69%, a return on assets of 1.74%, a nonperforming-loan ratio of 0.94% and a Texas ratio of 4.54%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, CIBC Bank USA is the 3rd largest by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets rose 2.6% to $68.25B, loans rose 1.5% and deposits rose 2.4%. Commercial and industrial loans made up 28.1% of its total loans on September 30, 2026, its largest category; next came loans to nondepository financial institutions at 20.7%. The FDIC Summary of Deposits lists 8 offices for it, in 6 cities across 4 states; its Chicago 3 offices book 86% of its branch deposits. By the capital ratios in its Q3 2026 call report, CIBC Bank USA meets every capital ratio test for well capitalized.
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
- Domestic offices
- 13 branches
- Employees (FTE)
- 2,623
- Domestic deposits
- $52.71B
- Allowance for credit losses
- $474.4M
- Net charge-offs (YTD)
- $50.8M
- Average total assets
- $66.60B
- Average total loans
- $43.15B
- Average interest-bearing deposits
- $49.09B
- 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
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
CIBC Bank USA's total assets moved between a low of $54.85B (Q4 2023) and a high of $68.25B (Q3 2026) from Q4 2023 to Q3 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$68.25B total assets against $61.49B; $56.79B total liabilities against $50.56B.
$43.49B net loans and leases against $37.49B; $52.71B total deposits against $48.30B.
$10.54B securities against $9.04B; $9.61B cash and balances due against $10.64B.
$886.5M total interest income against $844.8M; $374.9M total interest expense against $386.4M.
$511.6M net interest income against $458.4M.
$42.8M total noninterest income against $51.8M; $183.5M total noninterest expense against $203.0M.
-$3.4M provision for credit losses against $21.6M.
$289.0M net income against $218.7M.
1.74% return on assets against 1.45%; 3.24% net interest margin against 3.21%.
16.69% CET1 capital ratio against 17.54%; 13.79% tier 1 leverage ratio against 14.05%.
Inside the full CIBC Bank USA terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 42 of 4,193, for total assets; its furthest is 1,505 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 1.24% (Q1 2026) to 1.84% (Q2 2026) and its net interest margin ran from 2.98% (Q1 2025) to 3.24% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 16.69% | 1.74% | 0.94% | 4.54% | 3.24% |
| 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% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action September 1, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 6.7% of deposits in IL, rank 3 of 379 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
- 39 loans, $28.8M approved, $739K 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about CIBC Bank USA
What are CIBC Bank USA's total assets?
As of the Q3 2026 filing, CIBC Bank USA reported total assets of $68.25 billion in its FFIEC call report.
Where is CIBC Bank USA headquartered?
It is headquartered in Chicago, IL, United States.
When was CIBC Bank USA founded?
It was established in 1991, per the FDIC institution directory.
Is CIBC Bank USA FDIC-insured?
Yes. It 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.
What is CIBC Bank USA's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.69% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does CIBC Bank USA operate?
It operates 13 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?
Its Texas Ratio is 4.54% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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