CIBC Bank USA: how it compares with its peers
Against 41 U.S. banks with half to twice its assets, CIBC Bank USA's strongest measure in Q2 2026 is assets per employee ($26.1M vs. a $12.7M peer median). Its weakest relative measure is net interest margin (3.14% vs. 3.35%).
| Measure | CIBC Bank USA | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.51% | 1.24% | Top third Ahead of 76% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.14% | 3.35% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 36.69% | 52.70% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $26.1M | $12.7M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.22% | 84.48% | Context |
What it means for lending operations
Its efficiency ratio of 36.69% is better than the 52.70% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Valley National Bank Passaic, NJ · $66.23B
- Columbia Bank Roseburg, OR · $65.37B
- SouthState Bank, National Association Winter Haven, FL · $68.79B
- Banco Popular de Puerto Rico San Juan, PR · $63.34B
- UMB Bank, National Association Kansas City, MO · $71.90B
Questions about CIBC Bank USA
How big is CIBC Bank USA?
CIBC Bank USA, established in 1991, is headquartered in Chicago, IL. It reported $66.50B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is CIBC Bank USA's return on assets?
1.51% annualized in Q2 2026, against a 1.24% median for 41 U.S. banks with half to twice its assets, ahead of 76% of them.
What is CIBC Bank USA's efficiency ratio?
36.69% in Q2 2026: it spent about 37 cents in noninterest expense for each dollar of revenue. The peer median is 52.70%, and lower is better.
Is CIBC Bank USA growing its loans?
Net loans grew 14.8% over the year to Q2 2026, while deposits grew 8.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.