Headquartered in Atlanta, Georgia, CIBC National Trust Company is a national bank with $412.8M in total assets and $550K in deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1969.
Based on its Q2 2026 filing, CIBC National Trust Company scores 93/100, which we describe as very strong. That is higher than 98% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 8th. Its strongest component is capital cushion (100/100; 59.61%), and its lowest is funding & liquidity (54/100; 0% loans-to-deposits, 56% uninsured).
TellerScore · Q2 2026
Scorecard
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 fell 7 points (100 → 93), mostly because the funding & liquidity component weakened by 44 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 95 |
| Q3 2024 | 95 |
| Q4 2024 | 95 |
| Q1 2025 | 94 |
| Q2 2025 | 100 |
| Q3 2025 | 95 |
| Q4 2025 | 93 |
| Q1 2026 | 93 |
| Q2 2026 | 93 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 61.10% |
| Q3 2024 | 59.45% |
| Q4 2024 | 64.34% |
| Q1 2025 | 57.63% |
| Q2 2025 | 57.79% |
| Q3 2025 | 58.81% |
| Q4 2025 | 61.05% |
| Q1 2026 | 60.56% |
| Q2 2026 | 59.61% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 12.87% |
| Q3 2024 | 13.25% |
| Q4 2024 | 16.56% |
| Q1 2025 | 11.99% |
| Q2 2025 | 11.60% |
| Q3 2025 | 12.16% |
| Q4 2025 | 13.26% |
| Q1 2026 | 13.24% |
| Q2 2026 | 13.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 93 | $412.8M | 59.61% | 0.00% | 13.72% | 0.0% |
| Q1 2026 | 93 | $398.5M | 60.56% | 0.00% | 13.24% | 0.0% |
| Q4 2025 | 93 | $397.2M | 61.05% | 0.00% | 13.26% | 0.0% |
| Q3 2025 | 95 | $400.5M | 58.81% | 0.00% | 12.16% | 0.0% |
| Q2 2025 | 100 | $397.9M | 57.79% | 0.00% | 11.60% | 0.0% |
| Q1 2025 | 94 | $377.4M | 57.63% | 0.00% | 11.99% | 0.0% |
| Q4 2024 | 95 | $380.4M | 64.34% | 0.00% | 16.56% | 0.0% |
| Q3 2024 | 95 | $373.4M | 59.45% | 0.00% | 13.25% | 0.0% |
| Q2 2024 | 95 | $353.8M | 61.10% | 0.00% | 12.87% | 0.0% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Exchange BankBank Milledgeville, GA | 66 out of 100, Moderate | $410.3M | 11.9% | 0.03% | vs |
| Commercial Banking CompanyBank Valdosta, GA | 79 out of 100, Strong | $409.5M | 10.3% | 0.04% | vs |
| Touchmark National BankBank Alpharetta, GA | 38 out of 100, Low | $416.9M | 13.1% | 5.07% | vs |
| F&M BankBank Washington, GA | 88 out of 100, Very strong | $419.9M | 14.9% | 0.38% | vs |
| The Citizens Bank of SwainsboroBank Swainsboro, GA | 82 out of 100, Strong | $420.5M | 12.3% | 0.36% | vs |
| Great Oaks BankBank Richmond Hill, GA | 76 out of 100, Strong | $422.0M | 10.3% | 0.10% | vs |
Deposit insurance
Is my money safe at CIBC National Trust Company?
Yes. CIBC National Trust Company is an FDIC-insured institution (FDIC certificate #91325). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 56.4% of deposits ($310K) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 59.61%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 215.86% (benchmark: 10%).
16 locations
Branches
CIBC National Trust Company lists 1 office in 1 city. Most locations:
- Atlanta, GA (1)
HMDA 2025
Mortgage lending
In 2025, CIBC National Trust Company reported 745 home-loan applications under HMDA (LEI FDXQ75GPEQKRPWABYN63): 541 originated ($1,127,985,000 total), 61 denied, and 134 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- CIBC National Trust Company
- Former names
- Amvescap National Trust Company; Invesco National Trust Company; INVESCO Trust Company; Atlantic Trust Company, National Association; Institutional Trust Company
- Type
- National bank
- FDIC certificate #
- 91325
- RSSD ID
- 975751
- Primary regulator
- OCC
- Holding company
- Canadian Imperial Bk of Com
- Established
- May 14, 1969
- Headquarters
- 3290 Northside Pkwy Nw, Atlanta, GA 30327
- Website
- private-wealth.us.cibc.com
- Employees
- 372
Quick answers
CIBC National Trust Company: common questions
Is CIBC National Trust Company FDIC insured?
Yes. CIBC National Trust Company is an FDIC-insured institution (FDIC certificate #91325). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is CIBC National Trust Company's TellerScore?
93 out of 100 (Very 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 National Trust Company ever failed?
There is no failure record for FDIC certificate #91325 in the FDIC failed bank list.
How many branches does CIBC National Trust Company have?
16 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Atlanta
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Spirit of America Federal Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $53.2M | 12.9% | 0.01% | vs |
| Northside Federal Credit UnionCredit union Atlanta, GA | 88 out of 100, Very strong | $20.8M | 18.9% | 0.54% | vs |
| Genuine Parts Credit UnionCredit union Norcross, GA | 87 out of 100, Very strong | $19.5M | 79.2% | 0.00% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| RBC Bank, (Georgia) National AssociationBank Atlanta, GA | 82 out of 100, Strong | $9.6B | 10.4% | 0.41% | vs |