CIBC Bank USA: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q3 2026 filing, CIBC Bank USA reported 22 of the 23 line items on this page. It did not report foreign office deposits. Total deposits was $52.71B in Q3 2026, up 9.1% from $48.30B in Q3 2025. That is 77.2% of its total assets. Across the 12 quarters shown it ranged from $43.63B (Q1 2024) to $52.71B (Q3 2026).
Transaction accounts to domestic deposits climbed 2.86 percentage points in Q3 2026, from 26.81% to 29.67%. It was the largest change from Q2 2026 among the key lines here. On total deposits, CIBC Bank USA ranks 3rd highest among the 319 banks headquartered in Illinois, at $52.71B (Q3 2026). CIBC Bank USA's total deposits of $52.71B is well above the $18.20B median for banks in the $10B-100B asset tier, a gap of 190% (Q3 2026).
Deposit totals
Deposits to total liabilities moved most in this table, down 0.90 points: 93.72% in Q2 2026, 92.82% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Total deposits | $52.71B |
| Domestic office deposits | $52.71B |
| Foreign office deposits | — |
| Deposits to total assets | 77.22% |
| Deposits to total liabilities | 92.82% |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
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Deposit composition
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $15.24B |
| Savings deposits | $2.27B |
| Transaction accounts to domestic deposits | 29.67% |
| Time deposits to total deposits | 10.39% |
| Time deposits under $100k | $1.89B |
| Time deposits $100k to $250k | $1.05B |
| Time deposits over $250k | $2.53B |
| Noninterest-bearing share of deposits | 19.55% |
Stability of funding
Largest change in this table: uninsured deposits to total deposits, up 0.69 points to 66.59% in Q3 2026 after 65.90% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Core deposits | $45.38B |
| Core deposits to total deposits | 86.10% |
| Insured deposits | $17.75B |
| Uninsured deposits | $35.10B |
| Uninsured deposits to total deposits | 66.59% |
| Brokered deposits | $4.79B |
| Brokered deposits to total deposits | 9.09% |
Cost of deposits
Largest change in this table: loans and leases to core deposits, down 1.00 points to 87.63% in Q3 2026 after 88.63% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 3.36% |
| Interest expense on deposits | $346.8M |
| Loans and leases to core deposits | 87.63% |
Deposit Base trend
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q4 2023 | $43.88B | 87.82% | 65.55% | 9.31% | 4.80% |
| Q1 2024 | $43.63B | 86.85% | 63.67% | 9.03% | 4.73% |
| Q2 2024 | $43.79B | 87.13% | 63.24% | 8.41% | 4.76% |
| Q3 2024 | $46.87B | 86.29% | 63.49% | 8.96% | 4.81% |
| Q4 2024 | $49.37B | 86.01% | 63.66% | 9.42% | 4.35% |
| Q1 2025 | $48.86B | 86.46% | 64.30% | 9.22% | 3.90% |
| Q2 2025 | $47.59B | 86.70% | 64.61% | 9.10% | 3.92% |
| Q3 2025 | $48.30B | 86.63% | 65.74% | 9.37% | 3.96% |
| Q4 2025 | $50.77B | 85.90% | 66.42% | 9.80% | 3.61% |
| Q1 2026 | $50.96B | 86.53% | 66.33% | 8.26% | 3.23% |
| Q2 2026 | $51.47B | 85.80% | 65.90% | 9.14% | 3.23% |
| Q3 2026 | $52.71B | 86.10% | 66.59% | 9.09% | 3.36% |
CIBC Bank USA deposit base, quarter by quarter
Deposit Base since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, 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)