Bank Safety Analysis
Is CIBC Bank USA Safe? Chicago, Illinois
Based on its Q3 2026 call report, CIBC Bank USA meets every capital ratio test for well capitalized, its Texas ratio is 4.54%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is CIBC Bank USA safe?
On its Q3 2026 call report, CIBC Bank USA's CET1 ratio is 16.69%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 16.69%
- Tier 1 leverage ratio (Q3 2026): 13.79%
- Texas ratio (Q3 2026): 4.54%
- Noncurrent loans ratio (Q3 2026): 0.94%
CIBC Bank USA is an FDIC-insured commercial bank (FDIC Certificate #33306). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report CIBC Bank USA (FDIC Certificate #33306) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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CIBC Bank USA passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: uninsured deposit share.
The standout move of Q3 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 0.41 percentage points lower than in Q2 2026, at 0.94%. Within Illinois, CIBC Bank USA is 72nd of 176 on CET1 ratio, 16.69% as of Q3 2026. The median for banks in the $10B-100B asset tier is 12.88% on CET1 ratio. CIBC Bank USA sits 3.80 points higher, at 16.69% (Q3 2026).
From Q4 2023 to Q3 2026, CIBC Bank USA's CET1 ratio ranged between 15.93% (Q4 2023) and 17.54% (Q3 2025) and its Texas ratio ranged between 4.54% (Q3 2026) and 9.30% (Q1 2025). Between Q3 2025 and Q3 2026, CIBC Bank USA's CET1 ratio fell from 17.54% to 16.69%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.55% to 0.94%, Texas ratio fell from 6.82% to 4.54% and return on assets rose from 1.45% to 1.74%.
CIBC Bank USA ranks as the 3rd largest of the 319 banks based in Illinois, by total assets at Q3 2026. Commercial and industrial loans are its largest loan category, $12.37B of $43.97B in total loans on its September 30, 2026 call report. Against the 134 banks with $10B to $100B in assets for Q3 2026, CIBC Bank USA's CET1 ratio of 16.69% is above the 12.88% median, Tier 1 leverage ratio of 13.79% is above the 10.21% median, nonperforming loans ratio of 0.94% is above the 0.67% median, Texas ratio of 4.54% is above the 4.26% median, and efficiency ratio of 32.99% is below the 53.78% median.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets, above the community and regional banks the model was trained on, so treat its score as a rough screen.
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
CIBC Bank USA's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does CIBC Bank USA score on capital, credit and costs?
Peer cohort: $10B to $100B (124 banks) · Industry averages as of Q3 2026.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 12.88%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 10.21%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 0.67%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 4.26%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 53.78%.
Does CIBC Bank USA trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 16.69% | Within range |
| Texas ratio BankRegReports band | 4.54% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.94% | Within range |
| Uninsured deposit share BankRegReports band | 66.59% | Flagged |
| Loan-to-deposit ratio BankRegReports band | 83.42% | Within range |
| Commercial real estate to capital supervisory threshold | 189.55% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.87% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 16.69% |
| Q2 2026 | 16.86% |
| Q1 2026 | 16.96% |
| Q4 2025 | 17.22% |
| Q3 2025 | 17.54% |
| Q2 2025 | 17.15% |
| Q1 2025 | 16.92% |
| Q4 2024 | 16.78% |
| Q3 2024 | 16.83% |
| Q2 2024 | 16.43% |
| Q1 2024 | 16.23% |
| Q4 2023 | 15.93% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 4.54% |
| Q2 2026 | 6.33% |
| Q1 2026 | 6.77% |
| Q4 2025 | 6.44% |
| Q3 2025 | 6.82% |
| Q2 2025 | 7.71% |
| Q1 2025 | 9.30% |
| Q4 2024 | 7.38% |
| Q3 2024 | 6.12% |
| Q2 2024 | 6.62% |
| Q1 2024 | 6.19% |
| Q4 2023 | 4.68% |
Loans by type, Q3 2026
- Commercial and industrial loans: $12.37B
- Loans to nondepository financial institutions: $9.09B
- Non-owner-occupied commercial real estate loans: $8.37B
- Owner-occupied commercial real estate loans: $4.17B
- Multifamily loans: $4.09B
- 1-4 family residential loans: $2.31B
- Construction and land development loans: $2.30B
- Leases: $609.1M
How have CIBC Bank USA's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $68.25B | 16.69% | 13.79% | 0.94% | 4.54% | 32.99% |
| Jun 30, 2026 | $66.50B | 16.86% | 14.34% | 1.35% | 6.33% | 37.01% |
| Mar 31, 2026 | $65.13B | 16.96% | 14.01% | 1.49% | 6.77% | 36.35% |
| Dec 31, 2025 | $63.98B | 17.22% | 13.92% | 1.43% | 6.44% | 37.47% |
| Sep 30, 2025 | $61.49B | 17.54% | 14.05% | 1.55% | 6.82% | 39.66% |
| Jun 30, 2025 | $60.36B | 17.15% | 13.77% | 1.70% | 7.71% | 35.15% |
| Mar 31, 2025 | $61.30B | 16.92% | 13.30% | 2.03% | 9.30% | 35.95% |
| Dec 31, 2024 | $61.52B | 16.78% | 12.80% | 1.59% | 7.38% | 40.20% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is CIBC Bank USA FDIC insured?
Yes. CIBC Bank USA is an FDIC-insured commercial bank (FDIC Certificate #33306). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is CIBC Bank USA well capitalized?
On its Q3 2026 call report, CIBC Bank USA's CET1 ratio is 16.69%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are CIBC Bank USA's key safety ratios?
For Q3 2026, CIBC Bank USA reports CET1 16.69%, leverage 13.79%, Texas ratio 4.54%, noncurrent loans 0.94%. Its Texas ratio compares with the 4.26% median for the 134 banks with $10B to $100B in assets.
What happens to my deposits if CIBC Bank USA fails?
For Q3 2026, CIBC Bank USA reported $52.71B in total deposits, 66.59% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full CIBC Bank USA profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio CIBC Bank USA is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 33306) · FFIEC NIC profile (RSSD 1842065)
Explore: Full CIBC Bank USA profile · Other banks in IL · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.