BlastPoint's Banking Scorecard
CIBC Bank USA
Chicago, IL
19 branches across IL · FL · MI · MO · WI
CIBC Bank USA has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 17.66% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Net Interest Margin 0.64% below tier average
- - Delinquency Rate 0.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$65.1B
+6.2% YoY
+1.8% QoQ
|
+$18.2B |
$47.0B
-1.9% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
80% |
| Total Loans ? |
$40.7B
+11.6% YoY
+3.7% QoQ
|
+$11.3B |
$29.4B
-0.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
80% |
| Total Deposits ? |
$51.0B
+4.3% YoY
+0.4% QoQ
|
+$12.5B |
$38.4B
-1.6% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
1.22%
-3.9% YoY
-17.0% QoQ
|
-0.06% |
1.28%
+18.7% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
3.13%
+5.5% YoY
-0.3% QoQ
|
-0.64% |
3.77%
+5.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
36.35%
+1.1% YoY
-2.0% QoQ
|
-17.66% |
54.01%
-3.7% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Top 11.7% in tier |
| Delinquency Rate ? |
1.50%
-27.1% YoY
+3.9% QoQ
|
+0.49% |
1.02%
-3.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.8% in tier |
| Loan-to-Deposit Ratio ? |
79.86%
+7.0% YoY
+3.3% QoQ
|
-0.93% |
80.79%
+1.9% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
22.60%
+3.1% YoY
-0.7% QoQ
|
+2.56% |
20.04%
+0.2% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.94%
-23.4% YoY
+5.8% QoQ
|
+0.22% |
0.72%
+4.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
16.96%
+0.2% YoY
-1.5% QoQ
|
+1.45% |
15.51%
-0.4% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 13.9% in tier |
| Non-Interest Income / Assets ? |
0.09%
+251.3% YoY
-75.9% QoQ
|
-0.13% |
0.22%
+0.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
23% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.