CIBC National Trust Company: how it compares with its peers
Against 70 GA banks with half to twice its assets, CIBC National Trust Company's strongest measure in Q2 2026 is return on assets (13.72% vs. a 1.57% peer median). Its weakest relative measure is assets per employee ($1.1M vs. $7.1M).
| Measure | CIBC National Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 13.72% | 1.57% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.18% | 4.62% | Bottom third Ahead of 31% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.15% | 56.76% | Middle third Ahead of 43% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $1.1M | $7.1M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 0.00% | 80.27% | Context |
What it means for lending operations
Its efficiency ratio of 59.15% is above the 56.76% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Exchange Bank Milledgeville, GA · $410M
- Commercial Banking Company Valdosta, GA · $410M
- Touchmark National Bank Alpharetta, GA · $417M
- F&M Bank Washington, GA · $420M
- The Citizens Bank of Swainsboro Swainsboro, GA · $420M
- Great Oaks Bank Richmond Hill, GA · $422M
Questions about CIBC National Trust Company
How big is CIBC National Trust Company?
CIBC National Trust Company, established in 1969, is headquartered in Atlanta, GA. It reported $413M in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is CIBC National Trust Company's return on assets?
13.72% annualized in Q2 2026, against a 1.57% median for 70 GA banks with half to twice its assets, ahead of 100% of them.
What is CIBC National Trust Company's efficiency ratio?
59.15% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 56.76%, and lower is better.
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 GA 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 Georgia bank ranked.