CIBC Bank USA: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
CIBC Bank USA reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 16.69% in Q3 2026, down 0.85 percentage points from 17.54% in Q3 2025. Across the 12 quarters shown it ranged from 15.93% (Q4 2023) to 17.54% (Q3 2025).
The standout move of Q3 2026 was in Reserve coverage of nonperforming loans: 32.48 percentage points higher than in Q2 2026, at 114.75%. CIBC Bank USA ranks 53rd of 319 Illinois banks on return on assets, in the upper half at 1.74% (Q3 2026). The median for banks in the $10B-100B asset tier is 1.25% on return on assets. CIBC Bank USA sits 0.48 points higher, at 1.74% (Q3 2026).
Capital adequacy
Largest change in this table: equity capital to assets, down 0.62 points to 16.80% in Q3 2026 after 17.42% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 16.69% |
| Tier 1 risk-based capital ratio | 16.69% |
| Total risk-based capital ratio | 17.80% |
| Tier 1 leverage ratio | 13.79% |
| Equity capital to assets | 16.80% |
| Tangible equity to tangible assets | 13.21% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.94% |
| Nonperforming assets ratio | 0.61% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 4.54% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of nonperforming loans | 114.75% |
Earnings
Efficiency ratio changed the most here, down 4.02 points to 32.99% in Q3 2026 from 37.01% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.74% |
| Return on equity | 10.03% |
| Net interest margin | 3.24% |
| Efficiency ratio | 32.99% |
| Yield on earning assets | 5.61% |
| Cost of funds | 2.44% |
Liquidity and funding
Largest change in this table: loan-to-deposit ratio, down 0.73 points to 83.42% in Q3 2026 after 84.15% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 83.42% |
| Core deposits to total deposits | 86.10% |
| Brokered deposits to total deposits | 9.09% |
| Deposits to assets | 77.22% |
| Securities to assets | 15.44% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 15.93% | 15.93% | 17.18% | 12.86% | 1.32% |
| Q1 2024 | 16.23% | 16.23% | 17.49% | 13.07% | 1.70% |
| Q2 2024 | 16.43% | 16.43% | 17.68% | 13.43% | 1.64% |
| Q3 2024 | 16.83% | 16.83% | 18.08% | 13.30% | 1.53% |
| Q4 2024 | 16.78% | 16.78% | 18.03% | 12.80% | 1.28% |
| Q1 2025 | 16.92% | 16.92% | 18.17% | 13.30% | 1.30% |
| Q2 2025 | 17.15% | 17.15% | 18.40% | 13.77% | 1.78% |
| Q3 2025 | 17.54% | 17.54% | 18.79% | 14.05% | 1.45% |
| Q4 2025 | 17.22% | 17.22% | 18.42% | 13.92% | 1.45% |
| Q1 2026 | 16.96% | 16.96% | 18.21% | 14.01% | 1.24% |
| Q2 2026 | 16.86% | 16.86% | 17.98% | 14.34% | 1.84% |
| Q3 2026 | 16.69% | 16.69% | 17.80% | 13.79% | 1.74% |
CIBC Bank USA vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)