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CIBC Bank USA
Chicago, IL·FDIC Cert #33306·Charter: STATE·Est. 19910206.0·HC: CANADIAN IMPERIAL BK OF COM
Total Assets
$64.0B
Q4 2025
Return on Assets
1.47%
-0.01%Peer avg: 1.19%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
37.10%
Peer avg: 51.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
63
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.47%-0.01
ROE
8.50%-0.10
Efficiency
37.10%+0.14
Equity/Assets
0.00%+0.00
NPL Ratio
1.45%-0.12
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
77.33%-0.28
Charge-offs
0.35%+0.15
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.7 | 1.7 | 1.6 | 1.5 | 1.3 | 1.5 | 1.5 | 1.5 |
| ROE | 10.0 | 9.7 | 9.4 | 9.0 | 7.6 | 8.9 | 8.6 | 8.5 |
| Efficiency | 33.1 | 31.9 | 32.1 | 34.0 | 35.9 | 35.5 | 37.0 | 37.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.3 | 1.4 | 1.3 | 1.6 | 2.1 | 1.7 | 1.6 | 1.4 |
| Charge-offs | 0.3 | 0.2 | 0.3 | 0.3 | 0.1 | 0.2 | 0.2 | 0.3 |
| Loan/Deposit | 77.2 | 79.0 | 74.5 | 72.3 | 74.6 | 78.4 | 77.6 | 77.3 |
Balance Sheet
Total Assets$64.0B
Total Deposits$50.8B
Total Loans$39.3B
Total Equity$11.2B
Profitability
ROA1.47%
ROE8.50%
Efficiency Ratio37.10%
Net Income$906.2M
Risk & Asset Quality
NPL Ratio1.45%
Charge-off Rate0.35%
Loan/Deposit77.33%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans