CIBC Bank USA: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 9.98% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 9.98% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 16.86% +10.36 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $8.81B | 8,805,307 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $52.23B | 52,225,508 | RCOAA223 |
| Recomputed ratio | 16.86% | numerator / denominator | |
| Filed ratio | 16.86% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +10.36 pp | $5.41B | capital that could be lost first |
Tier 1 risk-based capital ratio 16.86% +8.86 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $8.81B | 8,805,307 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $52.23B | 52,225,508 | RCOAA223 |
| Recomputed ratio | 16.86% | numerator / denominator | |
| Filed ratio | 16.86% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +8.86 pp | $4.63B | capital that could be lost first |
Total risk-based capital ratio 17.98% +7.98 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $9.39B | 9,391,908 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $52.23B | 52,225,508 | RCOAA223 |
| Recomputed ratio | 17.98% | numerator / denominator | |
| Filed ratio | 17.98% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +7.98 pp | $4.17B | capital that could be lost first |
Tier 1 leverage ratio 14.34% +9.34 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $8.81B | 8,805,307 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $61.40B | 61,398,225 | RCOAA224 |
| Recomputed ratio | 14.34% | numerator / denominator | |
| Filed ratio | 14.34% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +9.34 pp | $5.74B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 6,393,964 | 6,393,964 | 6,393,524 | 6,391,852 | 6,391,638 | 6,391,413 | RCOAP742 |
| Retained earnings | 5,236,601 | 4,940,635 | 4,744,089 | 4,517,219 | 4,298,552 | 4,032,561 | RCOAKW00 |
| Accumulated other comprehensive income | (46,623) | (2,778) | 37,848 | 19,853 | (5,129) | (42,833) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 11,583,942 | 11,331,821 | 11,175,461 | 10,928,924 | 10,685,061 | 10,381,141 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (2,778,635) | (2,822,934) | (2,864,194) | (2,846,627) | (2,822,107) | (2,785,194) | P859 - P840 |
| Common equity Tier 1 capital | 8,805,307 | 8,508,887 | 8,311,267 | 8,082,297 | 7,862,954 | 7,595,947 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 8,805,307 | 8,508,887 | 8,311,267 | 8,082,297 | 7,862,954 | 7,595,947 | RCOA8274 |
| Tier 2 capital | 586,601 | 627,337 | 583,768 | 576,358 | 573,135 | 561,786 | RCOA5311 |
| Allowance includable in Tier 2 capital | 586,601 | 627,337 | 583,768 | 576,358 | 573,135 | 561,786 | RCOA5310 |
| Total capital | 9,391,908 | 9,136,224 | 8,895,035 | 8,658,655 | 8,436,089 | 8,157,733 | RCOA3792 |
| Total risk-weighted assets | 52,225,508 | 50,158,818 | 48,277,143 | 46,085,097 | 45,847,214 | 44,884,840 | RCOAA223 |
| Average total assets for the leverage ratio | 61,398,225 | 60,751,397 | 59,719,441 | 57,513,678 | 57,096,430 | 57,118,945 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $9.39B | $170.5M | 1.82% | 0.33% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $9.85B | $247.9M | 2.52% | 0.47% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $2.41B | $1.22B | 50.80% | 2.34% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $582.0M | $872.9M | 150.00% | 1.67% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $39.16B | $38.79B | 99.07% | 74.28% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.51B | $1.09B | 72.17% | 2.08% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $10.43B | $9.57B | 91.83% | 18.33% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $118.1M | $14.6M | 12.37% | 0.03% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $238.6M | NA | 0.46% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $51.99B | ties to item 31 ($51.99B) |
|---|---|---|
| Risk-weighted assets before deductions | $52.23B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $52.23B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 16.86% | 16.86% | 17.98% | 14.34% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 16.96% | 16.96% | 18.21% | 14.01% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 17.22% | 17.22% | 18.42% | 13.92% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 17.54% | 17.54% | 18.79% | 14.05% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 17.15% | 17.15% | 18.40% | 13.77% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 16.92% | 16.92% | 18.17% | 13.30% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 16.78% | 16.78% | 18.03% | 12.80% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 16.83% | 16.83% | 18.08% | 13.30% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 16.43% | 16.43% | 17.68% | 13.43% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 16.23% | 16.23% | 17.49% | 13.07% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 15.93% | 15.93% | 17.18% | 12.86% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 15.38% | 15.38% | 16.64% | 13.02% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| CIBC Bank USA (this bank) | Risk-based | 16.86% | 16.86% | 17.98% | 14.34% | |
| Valley National Bank | $66.23B | Risk-based | 12.28% | 12.28% | 13.34% | 10.25% |
| Columbia Bank | $65.37B | Risk-based | 12.21% | 12.21% | 13.13% | 9.68% |
| SouthState Bank, N.A. | $68.79B | Risk-based | 12.17% | 12.17% | 13.27% | 10.28% |
| Banco Popular de Puerto Rico | $63.34B | Risk-based | 16.40% | 16.40% | 17.66% | 7.53% |
| UMB Bank, N.A. | $71.90B | Risk-based | 11.75% | 11.75% | 12.62% | 8.89% |
| Old National Bank | $73.86B | Risk-based | 11.34% | 11.34% | 12.29% | 8.80% |
| SoFi Bank, N.A. | $56.82B | Risk-based | 15.17% | 15.17% | 15.29% | 13.34% |
| Frost Bank | $53.95B | Risk-based | 14.42% | 14.42% | 15.42% | 9.08% |
| Peer 25th percentile | 12.06% | 12.06% | 13.00% | 8.87% | ||
| Peer median | 12.24% | 12.24% | 13.31% | 9.38% | ||
| Peer 75th percentile | 14.61% | 14.61% | 15.32% | 10.26% | ||
| This bank's percentile | 100 | 100 | 100 | 100 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/1842065/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.