CIBC Bank USA: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
CIBC Bank USA reported all 15 line items on this page on its Q3 2026 filing. Cash and balances due from depository institutions was $9.61B in Q3 2026, down 9.6% from $10.64B in Q3 2025. That is 14.1% of its total assets. Across the 12 quarters shown it ranged from $8.77B (Q2 2024) to $12.99B (Q4 2024).
The standout move of Q3 2026 was in Trading liabilities: 145.2% higher than in Q2 2026, at $11.8M. CIBC Bank USA ranks 103rd of 319 Illinois banks on loan-to-deposit ratio, in the upper half at 83.42% (Q3 2026). The median for banks in the $10B-100B asset tier is 85.97% on loan-to-deposit ratio; CIBC Bank USA reported 83.42% for Q3 2026, nearly level with it.
Liquid assets
Cash and securities moved most in this table, up 4.9%: $19.21B in Q2 2026, $20.15B in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.61B |
| Cash and noninterest-bearing balances to assets | 14.09% |
| Cash and securities | $20.15B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $2.88B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.22% |
| Trading liabilities | $11.8M |
Funding structure
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 |
|---|---|
| Loan-to-deposit ratio | 83.42% |
| Net loans and leases to deposits | 82.52% |
| Loans and leases to core deposits | 87.63% |
| Core deposits to total deposits | 86.10% |
| Brokered deposits to total deposits | 9.09% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 75.96% | 87.82% | $0 | $1.14B |
| Q1 2024 | 78.31% | 86.85% | $0 | $1.14B |
| Q2 2024 | 80.15% | 87.13% | $0 | $1.39B |
| Q3 2024 | 75.65% | 86.29% | $0 | $1.14B |
| Q4 2024 | 73.40% | 86.01% | $0 | $1.14B |
| Q1 2025 | 75.75% | 86.46% | $0 | $1.14B |
| Q2 2025 | 79.41% | 86.70% | $0 | $1.14B |
| Q3 2025 | 78.66% | 86.63% | $0 | $1.13B |
| Q4 2025 | 78.28% | 85.90% | $0 | $1.13B |
| Q1 2026 | 80.91% | 86.53% | $0 | $1.88B |
| Q2 2026 | 84.15% | 85.80% | $0 | $2.33B |
| Q3 2026 | 83.42% | 86.10% | $0 | $2.88B |
CIBC Bank USA liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, 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)