CIBC National Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Core deposits to total deposits: 58.86 percentage points lower than in Q1 2026, at 0.00%. CIBC National Trust Company has the highest return on assets of the 121 banks headquartered in Georgia, 14.52% as of Q2 2026. CIBC National Trust Company's return on assets of 14.52% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 13.26 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 215.65% |
| Tier 1 risk-based capital ratio | 215.65% |
| Total risk-based capital ratio | 215.86% |
| Tier 1 leverage ratio | 59.61% |
| Equity capital to assets | 67.53% |
| Tangible equity to tangible assets | 56.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 14.52% |
| Return on equity | 20.90% |
| Net interest margin | 4.12% |
| Efficiency ratio | 61.20% |
| Yield on earning assets | 4.14% |
| Cost of funds | 1.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Core deposits to total deposits | 0.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 0.13% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 216.73% | 216.73% | 216.92% | 74.14% | 15.36% |
| Q4 2023 | 178.97% | 178.97% | 179.19% | 66.41% | 15.10% |
| Q1 2024 | 193.31% | 193.31% | 193.51% | 73.45% | 14.90% |
| Q2 2024 | 216.31% | 216.31% | 216.47% | 61.10% | 12.77% |
| Q3 2024 | 205.28% | 205.28% | 205.49% | 59.45% | 14.27% |
| Q4 2024 | 190.77% | 190.77% | 190.87% | 64.34% | 26.78% |
| Q1 2025 | 182.13% | 182.13% | 182.25% | 57.63% | 11.99% |
| Q2 2025 | 250.61% | 250.61% | 250.77% | 57.79% | 11.50% |
| Q3 2025 | 246.57% | 246.57% | 246.67% | 58.81% | 13.65% |
| Q4 2025 | 198.55% | 198.55% | 198.66% | 61.05% | 17.01% |
| Q1 2026 | 165.78% | 165.78% | 165.88% | 60.56% | 13.60% |
| Q2 2026 | 215.65% | 215.65% | 215.86% | 59.61% | 14.52% |
CIBC National Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock CIBC National Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full CIBC National Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 91325) · FFIEC NIC profile (RSSD 975751)