BlastPoint

BlastPoint's Banking Scorecard

CIBC National Trust Company

$100M-$1B Specialty: Other GA FDIC cert 91325

Atlanta, GA

15 branches across TX · CA · FL · CO · DC · DE · GA · IL · MA · MD · NY

Non-lending institution — comparison caveats apply

CIBC National Trust Company is a trust company, wealth-management entity, or similar non-lending FDIC institution. Loan-based ratios (Loan-to-Deposit, Delinquency Rate, Non-Performing Asset Ratio, Non-Interest-Bearing Deposit Share) and capital ratios are mathematically valid but not directly comparable to traditional banks. This bank is excluded from the Signature Analysis leaderboards for the same reason.

2664 banks in the $100M-$1B peer group nationally 99 in GA
View $100M-$1B leaderboard (GA) →

CIBC National Trust Company has 5 strengths but faces 1 concern

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

  • + Revenue Diversifier: Top 5.1% in tier
  • + Profitability Leader: Top 5.4% in tier
  • + Non-Interest-Bearing Deposit Share 36.84% above tier average
  • + Nonperforming Asset Ratio 0.64% below tier average
  • + Efficiency Ratio 8.64% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 16.7% in tier
Get updates when CIBC National Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $398.5M
+5.6% YoY +0.3% QoQ
+$12.4M $386.1M
+0.5% YoY
$814.8M
+10.0% YoY
$6.2B
+9.1% YoY
61%
Total Loans ? $0 -$255.7M $255.7M
+1.1% YoY
$550.6M
+10.4% YoY
$3.2B
+10.8% YoY
Bottom 0.4% in tier
Total Deposits ? $1.3M
+25.4% YoY -11.8% QoQ
-$326.6M $328.0M
+0.1% YoY
$689.3M
+8.9% YoY
$4.8B
+8.2% YoY
Bottom 0.2% in tier
Return on Assets ? 13.24%
+10.4% YoY -0.2% QoQ
+11.97% 1.27%
+12.9% YoY
1.50%
+0.6% YoY
1.23%
+13.4% YoY
Top 0.2% in tier
Net Interest Margin ? 3.89%
-15.7% YoY -19.5% QoQ
-0.04% 3.93%
+6.0% YoY
4.36%
+2.3% YoY
3.89%
+5.7% YoY
52%
Efficiency Ratio ? 56.64%
+12.7% YoY -5.2% QoQ
-8.64% 65.29%
-4.5% YoY
62.13%
-1.5% YoY
66.95%
-4.1% YoY
69%
Delinquency Rate ? - - 0.89%
+18.8% YoY
0.81%
+32.9% YoY
0.95%
+18.8% YoY
-
Loan-to-Deposit Ratio ? 0.00% -76.64% 76.64%
+0.8% YoY
71.10%
+2.8% YoY
76.70%
+0.9% YoY
Top 0.1% in tier
Non-Interest-Bearing Deposit Share ? 58.86%
+17.9% YoY -7.6% QoQ
+36.84% 22.02%
-1.0% YoY
26.76%
-3.7% YoY
22.01%
-1.2% YoY
Top 0.7% in tier
Nonperforming Asset Ratio ? 0.00% -0.64% 0.64%
+19.7% YoY
0.56%
+24.4% YoY
0.67%
+19.3% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 165.78%
-9.0% YoY -16.5% QoQ
+149.95% 15.83%
+1.5% YoY
17.30%
-0.8% YoY
17.06%
+0.8% YoY
Top 0.2% in tier
Non-Interest Income / Assets ? 10.19%
+22.9% YoY -76.7% QoQ
+9.91% 0.28%
+9.3% YoY
0.21%
+3.2% YoY
0.32%
+4.1% YoY
Top 0.3% in tier

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 (2)

Revenue Diversifier

growth
#35 of 666 • Top 5.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 10.19%
(Tier: 0.28%, National: 0.32%)
better than tier avg
Return on Assets: 13.24%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth
#37 of 666 • Top 5.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 13.24%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Cost Spiral

risk
#22 of 126 • Bottom 16.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 56.64%
(Tier: 65.29%, National: 66.95%)
better than tier avg
126 of 126 Community banks match · 176 nationally
↑ Growing +82 banks QoQ

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

1
Loan-to-Deposit Ratio
liquidity
Value: 0.00%
Peer Median: 76.64%
#1 of 2664 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.64%
#1 of 2664 Top 0.1% in $100M-$1B
5
Return on Assets
profitability
Value: 13.24%
Peer Median: 1.27%
#5 of 2664 Top 0.2% in $100M-$1B
7
Tier 1 Capital Ratio
capital
Value: 165.78%
Peer Median: 15.83%
#7 of 2664 Top 0.2% in $100M-$1B
10
Non-Interest Income / Assets
revenue_mix
Value: 10.19%
Peer Median: 0.28%
#10 of 2664 Top 0.3% in $100M-$1B
20
Non-Interest-Bearing Deposit Share
funding
Value: 58.86%
Peer Median: 22.02%
#20 of 2664 Top 0.7% in $100M-$1B

Top Weaknesses (2 metrics)

2660
Total Deposits
size
Value: $1.34M
Peer Median: $327.97M
#2660 of 2664 Bottom 0.2% in $100M-$1B
2655
Total Loans
size
Value: $0.00
Peer Median: $255.72M
#2655 of 2664 Bottom 0.4% in $100M-$1B
Powered by BlastPoint © 2026