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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 33306 · IL A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #311/4307
  • PHOTO-FINISH Goldman Sachs Bank USA · NY
  • TIER1-WELL 17.2% Tier 1
  • TEXAS-CLEAN 4.9% Texas
  • ROA-STRONG 1.47% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Goldman Sachs Bank USA, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around CIBC Bank USA

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Charles Schwab Premi… · TX ·…95/100CIBC Bank USA · IL · this ba…95/100Citizens Community B… · TN ·…95/100Goldman Sachs Bank USA · NY …95/100WestStar Bank · TX · near95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around CIBC Bank USA · July 2026

Call Report read for CIBC Bank USA in a high-failure state

CIBC Bank USA (FDIC Cert #33306) carries a PlainBankData health grade of A at 95/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #311 of 4,307. Tier 1 capital prints at 17.22%, clearing the 10% well-capitalized line. The Texas Ratio is 4.88%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.47%. Balance-sheet scale is $64.0B, 44th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Goldman Sachs Bank USA (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around CIBC Bank USA

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

CIBC Bank USA sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about CIBC Bank USA's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

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.

0/100100/100National avg77/10095/100
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 Assets

$64.0B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.82% 17.22% 18.62%
Basel III capital ratios - CIBC Bank USA

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 7% higher than 93% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. CIBC Bank USA 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at CIBC Bank USA

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

What these ratios mean →

Earnings posture at CIBC Bank USA

Return on Assets (ROA)
73rd percentile nationally
1.47%
Return on Equity (ROE)
8.50%
Efficiency Ratio
37.10%

What these mean →

Income & expense at CIBC Bank USA

$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.

FDIC Failed Bank List → View CIBC Bank USA on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to CIBC Bank USA nationally by total assets
  1. 1
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  2. 2
    Bank of China $61.9B

    New York, NY · Grade F

  3. 3
    Columbia Bank $66.8B

    Roseburg, OR · Grade A

  4. 4
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  5. 5
    Banco Popular de Puerto Rico $59.8B

    San Juan, PR · Grade A

  6. 6
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($64.0B here), outside Illinois so the neighborhood is not state containment.

Valley National Bank $64.1B · NJ Bank of China $61.9B · NY Columbia Bank $66.8B · OR SouthState Bank $67.2B · FL

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.

CIBC Bank USA Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
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%