Total Assets
$64.0B
Total balance-sheet footings
FDIC Cert #33306 · Chicago, Illinois · Est. 1991
CIBC Bank USA - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $64.0B
- Total assets
- A
- Health grade · Excellent
- 1.47%
- Return on assets
- 17.2%
- Tier 1 capital
Data updated July 2026
The verdict
CIBC Bank USA earns a PlainBankData health grade of A (95/100), with well-capitalized at 17.22% Tier 1, profitable at 1.47% ROA, efficient (37% cost ratio).
- #44
- largest of 4,313 FDIC banks by assets
- 99th
- percentile by asset size, nationally
- 17.22%
- Tier 1 ratio - above the 10% well-capitalized line
- 73rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How CIBC Bank USA's 95/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
CIBC Bank USA's composite health score
Tier 1 Capital Ratio (17.22%) 40/40
Return on Assets (ROA) (1.47%) 20/25
Texas Ratio (4.88%) 20/20
Efficiency Ratio (37.10%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$50.8B
Customer-funded liabilities
Net Loans
$39.3B
Outstanding loan book
Net Income
$906M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where CIBC Bank USA ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. CIBC Bank USA's score of 95/100 falls in the highlighted band.
CIBC Bank USA's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). CIBC Bank USA's $64.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.22%
Texas Ratio
4.88%
Equity Capital
$11.2B
Profitability metrics
Return on Assets (ROA)
73rd percentile nationally
1.47%
Return on Equity (ROE)
8.50%
Efficiency Ratio
37.10%
What the numbers say about CIBC Bank USA
CIBC Bank USA is an FDIC-insured institution (Certificate #33306) headquartered in Chicago, Illinois, established in 1991. It holds $64.0B in total assets - 44th of 4,313 FDIC-insured banks, $50.8B in customer deposits, and $39.3B in net loans. Looking at capital strength, Tier 1 stands at 17.22%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.88%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (95/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
CIBC Bank USA's asset base places it among the largest FDIC-insured institutions in the country, 44th of 4,313 nationally, and 3rd of 330 banks headquartered in Illinois. Only The Northern Trust Company ($176.4B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$3.3B
Interest Income
$235M
Non-Interest Income
$757M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. CIBC Bank USA reports a Texas Ratio of 4.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
National size peers: banks closest to CIBC Bank USA by assets
CIBC Bank USA is closely matched in total assets by Valley National Bank, Bank of China, Columbia Bank, SouthState Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.97%, versus CIBC Bank USA's own 1.47%; the average efficiency ratio is 44.94%, versus 37.10% here; and average Tier 1 capital sits at 10.67%, versus 17.22% at CIBC Bank USA. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $64.0B in assets, CIBC Bank USA has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| CIBC Bank USA (this bank) | IL | $64.0B | 1.47% | 37.10% | 17.22% |
| Valley National Bank | NJ | $64.1B | 0.99% | 53.71% | 12.46% |
| Bank of China | NY | $61.9B | 0.00% | 0.00% | 0.00% |
| Columbia Bank | OR | $66.8B | 1.00% | 55.35% | 12.32% |
| SouthState Bank, National Association | FL | $67.2B | 1.40% | 47.64% | 12.54% |
| Banco Popular de Puerto Rico | PR | $59.8B | 1.17% | 59.89% | 15.59% |
| Pinnacle Bank | TN | $57.6B | 1.25% | 53.06% | 11.13% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) CIBC Bank USA (FDIC Cert #33306) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
| First Mid Bank & Trust, National AssociationMattoon | $7.9B | A | 1.15% |
Frequently asked questions
What is CIBC Bank USA's health grade?▼
CIBC Bank USA receives a health grade of A (95/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is CIBC Bank USA?▼
CIBC Bank USA holds $64.0B in total assets and $50.8B in deposits, ranking 44th of 4,313 FDIC-insured banks by asset size. It is headquartered in Chicago, Illinois.
Is my money safe at CIBC Bank USA?▼
Yes, deposits at CIBC Bank USA (Certificate #33306) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is CIBC Bank USA's Tier 1 Capital Ratio?▼
CIBC Bank USA has a Tier 1 Capital Ratio of 17.22%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for CIBC Bank USA?▼
CIBC Bank USA has a Texas Ratio of 4.88%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is CIBC Bank USA?▼
CIBC Bank USA has an Efficiency Ratio of 37.10%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read CIBC Bank USA's profile as a depositor or analyst.
- CIBC Bank USA's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare CIBC Bank USA against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.