CIBC Bank USA: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
CIBC Bank USA reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 16.69% in Q3 2026, down 0.85 percentage points from 17.54% in Q3 2025. Across the 12 quarters shown it ranged from 15.93% (Q4 2023) to 17.54% (Q3 2025).
Equity capital to average assets dropped 0.82 percentage points in Q3 2026, from 18.04% to 17.22%. It was the largest change from Q2 2026 among the key lines here. Within Illinois, CIBC Bank USA is 72nd of 176 on CET1 ratio, 16.69% as of Q3 2026. CIBC Bank USA reported 16.69% on CET1 ratio for Q3 2026, 3.80 points above the 12.88% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
Largest change in this table: tier 1 leverage ratio, down 0.55 points to 13.79% in Q3 2026 after 14.34% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.69% |
| Tier 1 risk-based capital ratio | 16.69% |
| Total risk-based capital ratio | 17.80% |
| Tier 1 leverage ratio | 13.79% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Total equity capital changed the most here, down 1.0% to $11.47B in Q3 2026 from $11.58B in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $8.79B |
| Tier 1 capital | $8.79B |
| Total risk-based capital | $9.38B |
| Total equity capital | $11.47B |
| Risk-weighted assets | $52.71B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 16.80% |
| Tangible equity to tangible assets | 13.21% |
| Equity capital to average assets | 17.22% |
| Internal capital growth rate | -0.38% |
Capital structure
Retained earnings moved most in this table, down 0.2%: $5.24B in Q2 2026, $5.23B in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $6.39B |
| Retained earnings | $5.23B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$153.6M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 15.93% | 15.93% | 17.18% | 12.86% | $40.97B |
| Q1 2024 | 16.23% | 16.23% | 17.49% | 13.07% | $41.63B |
| Q2 2024 | 16.43% | 16.43% | 17.68% | 13.43% | $42.51B |
| Q3 2024 | 16.83% | 16.83% | 18.08% | 13.30% | $42.81B |
| Q4 2024 | 16.78% | 16.78% | 18.03% | 12.80% | $44.11B |
| Q1 2025 | 16.92% | 16.92% | 18.17% | 13.30% | $44.88B |
| Q2 2025 | 17.15% | 17.15% | 18.40% | 13.77% | $45.85B |
| Q3 2025 | 17.54% | 17.54% | 18.79% | 14.05% | $46.09B |
| Q4 2025 | 17.22% | 17.22% | 18.42% | 13.92% | $48.28B |
| Q1 2026 | 16.96% | 16.96% | 18.21% | 14.01% | $50.16B |
| Q2 2026 | 16.86% | 16.86% | 17.98% | 14.34% | $52.23B |
| Q3 2026 | 16.69% | 16.69% | 17.80% | 13.79% | $52.71B |
CIBC Bank USA capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full CIBC Bank USA profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 33306) · FFIEC NIC profile (RSSD 1842065)