BlastPoint's Banking Scorecard

CIBC Bank USA

$10B-$250B Specialty: Commercial IL FDIC cert 33306

Chicago, IL

13 branches across IL · FL · MI · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in IL.
Deposits +8.1% year over year ($51.5B on the books).
Delinquency rate 1.37%.
Return on assets 1.51%.
Efficiency ratio 36.69% vs a 53.67% peer average.
Loan-to-deposit ratio 83.22% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 3 in IL

View $10B-$250B leaderboard (IL) →

CIBC Bank USA has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.12% above tier average
+ Efficiency Ratio 16.98% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 36.4% in tier
- Net Interest Margin 0.78% below tier average
- Delinquency Rate 0.35% above tier average

Get updates when CIBC Bank USA releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$66.5B +10.2% YoY +2.1% QoQ	+$22.9B	$43.6B -13.8% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	83%
Total Loans ?	$42.8B +14.8% YoY +5.2% QoQ	+$14.9B	$28.0B -8.6% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$51.5B +8.1% YoY +1.0% QoQ	+$16.1B	$35.4B -14.0% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	1.51% +0.1% YoY +24.0% QoQ	+0.12%	1.39% +25.9% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	71%
Net Interest Margin ?	3.14% +2.2% YoY +0.3% QoQ	-0.78%	3.92% +8.9% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	24%
Efficiency Ratio ?	36.69% +3.3% YoY +0.9% QoQ	-16.98%	53.67% -1.9% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Top 10.1% in tier
Delinquency Rate ?	1.37% -20.8% YoY -9.2% QoQ	+0.35%	1.01% -2.8% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	18%
Loan-to-Deposit Ratio ?	83.22% +6.2% YoY +4.2% QoQ	+0.61%	82.61% +3.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	57%
Non-Interest-Bearing Deposit Share ?	21.74% -4.5% YoY -3.8% QoQ	+1.16%	20.58% +4.9% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	45%
Nonperforming Asset Ratio ?	0.88% -17.5% YoY -6.4% QoQ	+0.15%	0.73% +5.8% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	16.86% -1.7% YoY -0.6% QoQ	+1.51%	15.35% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Top 13.7% in tier
Non-Interest Income / Assets ?	0.23% +53.8% YoY +155.6% QoQ	-0.27%	0.50% +10.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	28%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	21.7% -1.0pp YoY -0.9pp QoQ	+0.7pp	21.0%	20.1%	22.2%	43%
Brokered Deposits	9.1% 0.0pp YoY +0.9pp QoQ	-0.1pp	9.2%	8.0%	8.5%	71%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	28.5% -3.3pp YoY +0.5pp QoQ	+11.3pp	17.2%	14.7%	12.5%	88%
CRE	43.0% +2.6pp YoY -1.1pp QoQ	+1.0pp	42.0%	37.9%	41.4%	48%
1-4 Family	5.4% -0.4pp YoY -0.2pp QoQ	-17.7pp	23.1%	28.3%	31.3%	10%
Consumer	1.0% +0.1pp YoY 0.0pp QoQ	-11.9pp	12.9%	5.4%	5.0%	39%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	16.9% -0.3pp YoY -0.1pp QoQ	+1.6pp	15.3%	19.9%	19.7%	86%
Leverage Ratio	14.3% +0.6pp YoY +0.3pp QoQ	+3.9pp	10.4%	12.2%	12.6%	97%
Total Capital Ratio	18.0% -0.4pp YoY -0.2pp QoQ	+1.5pp	16.5%	20.9%	20.8%	86%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	2,547 +89 (+3.6%) YoY -39 (-1.5%) QoQ	-711	3,258	228	482	61%
Assets per Employee ($)	$26.1M +6.3% YoY +3.7% QoQ	-$918K	$27.0M	$8.3M	$8.8M	83%
Branch Count	13 -11 (-45.8%) YoY -2 (-13.3%) QoQ	-125	137	10	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.4%	0.4%	0.4%	n/a
Nonaccrual	1.4% -0.4pp YoY -0.1pp QoQ	+0.6pp	0.7%	1.1%	1.0%	92%
Allowance Coverage	0.82x +7.7% YoY -5.7% QoQ	-1.99x	2.81x	5.62x	20.23x	12%
Net Charge-off Rate (YTD)	0.3% 0.0pp YoY +0.1pp QoQ	-0.2pp	0.4%	0.1%	0.2%	64%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	8.7% -0.2pp YoY +1.7pp QoQ	-4.0pp	12.6%	10.5%	11.6%	23%
Cost of Funds (YTD)	2.3% -0.5pp YoY 0.0pp QoQ	+0.3pp	2.0%	1.6%	1.7%	70%
Net Income ($, YTD)	$492.5M +6.9% YoY — QoQ	+$195.7M	$296.8M	$11.7M	$40.4M	83%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#9 of 22 • Bottom 36.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.86%

(Tier: 15.35%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 83.22%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

22 of 22 Large banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 36.69%

Peer Median: 53.67%

#15 of 139 Top 10.1% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 16.86%

Peer Median: 15.35%

#20 of 139 Top 13.7% in $10B-$250B

Total Assets

size

Value: $66.50B

Peer Median: $43.60B

#25 of 139 Top 17.3% in $10B-$250B

Total Loans

size

Value: $42.83B

Peer Median: $27.97B

#27 of 139 Top 18.7% in $10B-$250B

Total Deposits

size

Value: $51.47B

Peer Median: $35.42B

#28 of 139 Top 19.4% in $10B-$250B

Top Weaknesses (3 metrics)

114

Delinquency Rate

credit_quality

Value: 1.37%

Peer Median: 1.01%

#114 of 138 Bottom 18.1% in $10B-$250B

113

Nonperforming Asset Ratio

credit_quality

Value: 0.88%

Peer Median: 0.73%

#113 of 139 Bottom 19.4% in $10B-$250B

106

Net Interest Margin

profitability

Value: 3.14%

Peer Median: 3.92%

#106 of 139 Bottom 24.5% in $10B-$250B