TellerScore

CIBC Bank USA is a state-chartered bank (fed member) headquartered in Chicago, Illinois, in business for about 35 years. At the end of Q2 2026 it reported $66.5B in total assets and $51.5B in deposits, with 8 offices across 4 states.

CIBC Bank USA has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 76% of its 132 banks with $10 billion – $100 billion. Among 326 banks headquartered in Illinois, it ranks 148th. Capital cushion contributes the most (93/100, 14.34%); funding & liquidity contributes the least (27/100, 83% loans-to-deposits, 66% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Tier 1 leverage ratio: 14.34%
Loan quality55/100
Noncurrent loans ÷ total loans: 1.35%
Earnings80/100
Return on assets (annualized): 1.51%
Funding & liquidity27/100
Loans ÷ deposits and uninsured-deposit share: 83.2% · 65.9% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (67 → 71), mostly because the loan quality component improved by 12 points.

TellerScore
616671Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202466
Q1 202561
Q2 202567
Q3 202569
Q4 202569
Q1 202667
Q2 202671
Tier 1 leverage ratio
5.00%9.67%14.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.43%
Q3 202413.30%
Q4 202412.80%
Q1 202513.30%
Q2 202513.77%
Q3 202514.05%
Q4 202513.92%
Q1 202614.01%
Q2 202614.34%
Noncurrent loans
1.31%1.67%2.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.37%
Q3 20241.31%
Q4 20241.59%
Q1 20252.03%
Q2 20251.70%
Q3 20251.55%
Q4 20251.43%
Q1 20261.49%
Q2 20261.35%
Return on assets
1.22%1.44%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.66%
Q3 20241.60%
Q4 20241.52%
Q1 20251.27%
Q2 20251.51%
Q3 20251.48%
Q4 20251.47%
Q1 20261.22%
Q2 20261.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$66.5B14.34%1.35%1.51%83.2%
Q1 202667$65.1B14.01%1.49%1.22%79.9%
Q4 202569$64.0B13.92%1.43%1.47%77.3%
Q3 202569$61.5B14.05%1.55%1.48%77.6%
Q2 202567$60.4B13.77%1.70%1.51%78.4%
Q1 202561$61.3B13.30%2.03%1.27%74.6%
Q4 202466$61.5B12.80%1.59%1.52%72.3%
Q3 202470$58.9B13.30%1.31%1.60%74.5%
Q2 202470$55.9B13.43%1.37%1.66%79.0%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.34%
98th
Total risk-based capital17.98%
89th
Problem loans1.35%
16th
Net charge-offs0.26%
27th
Return on assets1.51%
71st
Net interest margin3.14%
27th
Efficiency ratio36.7%
85th
Loans to deposits83.2%
59th
Uninsured deposits65.9%
2nd
Loan-loss reserves1.11%
47th
Texas ratio4.8%
35th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Busey BankBank Champaign, IL74 out of 100, Strong$18.1B12.4%0.51%vs

Deposit insurance

Is my money safe at CIBC Bank USA?

Yes. CIBC Bank USA is an FDIC-insured institution (FDIC certificate #33306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 65.9% of deposits ($33.9B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.34%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.98% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

CIBC Bank USA lists 8 offices in 6 cities across 4 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
CIBC Bank USA
Former names
The PrivateBank and Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
33306
RSSD ID
1842065
Primary regulator
FED
Holding company
Canadian Imperial Bk of Com
Established
February 6, 1991
Headquarters
120 S La Salle St, Chicago, IL 60603
Employees
2,547

Quick answers

CIBC Bank USA: common questions

Is CIBC Bank USA FDIC insured?

Yes. CIBC Bank USA is an FDIC-insured institution (FDIC certificate #33306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is CIBC Bank USA's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has CIBC Bank USA ever failed?

There is no failure record for FDIC certificate #33306 in the FDIC failed bank list.

How many branches does CIBC Bank USA have?

8 offices as of the latest FDIC data, in 4 states.

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