CIBC Bank USA: Peer Group Comparison
BankRegReports is independent of CIBC Bank USA and never asks for online banking logins or passwords.
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks CIBC Bank USA of Chicago, IL against its peer group of 124 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $10B to $100B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.74% | 1.31% | +0.43% | 80th best quarter |
| ROAE | 10.03% | 11.12% | -1.09% | 35th worse half |
| Net Interest Margin | 3.24% | 3.67% | -0.43% | 26th worse half |
| Efficiency Ratio | 32.99% | 53.24% | -20.25% | 7th best quarter |
| PPNR / Avg Assets | 2.23% | 1.88% | +0.35% | 72nd better half |
| Yield on Earning Assets | 5.61% | 5.46% | +0.15% | 60th |
| Cost of Funds | 2.44% | 1.98% | +0.46% | 73rd worse half |
| Net Interest Spread | 2.20% | 2.98% | -0.78% | 13th worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.94% | 0.67% | +0.27% | 73rd worse half |
| NPA / Total Assets | 0.61% | 0.49% | +0.12% | 63rd worse half |
| NCO / Avg Loans | -0.02% | 0.14% | -0.16% | 0th best quarter |
| ACL / Total Loans | 1.08% | 1.12% | -0.04% | 45th |
| ACL / NPLs (Coverage) | 114.75% | 181.80% | -67.05% | 23rd worst quarter |
| Texas Ratio | 4.54% | 4.26% | +0.28% | 54th worse half |
| CRE / Total Capital | 189.55% | 217.03% | -27.48% | 39th better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 16.69% | 12.93% | +3.76% | 87th best quarter |
| Tier 1 Ratio | 16.69% | 13.04% | +3.65% | 87th best quarter |
| Total Capital Ratio | 17.80% | 14.24% | +3.56% | 86th best quarter |
| Leverage Ratio | 13.79% | 10.21% | +3.58% | 97th best quarter |
| Equity / Assets | 16.80% | 11.26% | +5.54% | 97th best quarter |
| TCE / Tangible Assets | 13.21% | 9.38% | +3.83% | 97th best quarter |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 83.42% | 86.53% | -3.11% | 40th |
| Core Deposit Ratio | 86.10% | 91.81% | -5.71% | 29th worse half |
| Uninsured Deposit Ratio | 66.59% | 39.38% | +27.21% | 99th worst quarter |
| Borrowings / Total Assets | 4.22% | 3.64% | +0.58% | 56th worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.00% | 5.37% | +5.63% | 76th |
| Loan Growth (Y/Y) | 15.71% | 6.53% | +9.18% | 79th |
| Deposit Growth (Y/Y) | 9.11% | 4.86% | +4.25% | 69th |
See CIBC Bank USA's peers by name
The 124 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full CIBC Bank USA profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the CIBC Bank USA peer analysis.