# CIBC BANK USA
CHICAGO, IL · FDIC certificate 33306 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $66.50B | |
| Deposits | $51.47B | |
| Loans and leases | $43.31B | |
| Total equity | $11.58B | |
| Loans / deposits | 83.22% (p42 of band) | 85.78% |
| Liquid assets / assets | 28.89% (p74 of band) | |
| Uninsured deposits / deposits | 65.90% (p98 of band) | 38.39% |
| Brokered deposits | 7.08% | |
| Wholesale funding | 10.58% (p65 of band) | |
| FHLB advances / assets | 1.81% | |
| Tier 1 leverage | 14.34% (p98 of band) | 10.17% |
| Unrealized securities loss / equity | -0.88% (p89 of band) | -7.43% |
| AOCI / equity | -0.73% (p26 of band) | |
| ROA (annualized) | 1.51% (p71 of band) | 1.24% |
| Net interest margin | 3.14% (p28 of band) | 3.57% |
| Efficiency ratio | 36.69% (p15 of band) | |
| Noncurrent loans | 1.35% (p84 of band) | 0.66% |
| Net charge-offs (annualized) | 0.16% (p72 of band) | |
| Reserve coverage of noncurrent | 82.27% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 18.31% (p35 of band) | |
| Auto loans | $50,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $9.14B (79% of equity) (p86 of band) | |
| Deposits YoY | 8.2% | |
| Employees | 2547 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | brokered >10% |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | brokered >10% |  |
| 2012-09 | 1 |  | brokered >10% |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | uninsured deposits >50% |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | brokered >10% |  |
| 2014-09 | 3 | wholesale funding >15% |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | loans-to-lenders >50% equity |  |
| 2016-12 | 5 | capital falling |  |
| 2017-03 | 4 |  | capital falling |
| 2017-06 | 5 | NIM <2.5%, reserve under noncurrent | loans-to-lenders >50% equity |
| 2017-09 | 4 | run vulnerability | brokered >10%, wholesale funding >15% |
| 2017-12 | 3 |  | run vulnerability |
| 2018-03 | 4 | wholesale funding >15%, run vulnerability | NIM <2.5% |
| 2018-06 | 3 |  | wholesale funding >15% |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 | loans-to-lenders >50% equity | reserve under noncurrent, run vulnerability |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | run vulnerability |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 | capital falling | run vulnerability |
| 2020-03 | 4 | run vulnerability, losing money | capital falling |
| 2020-06 | 2 |  | run vulnerability, losing money |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | capital falling, NIM <2.5% |  |
| 2021-06 | 3 |  | capital falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | charge-offs p90 |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 |  | NIM <2.5% |
| 2022-12 | 2 |  | charge-offs p90 |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 4 | capital falling, reserve under noncurrent |  |
| 2025-03 | 4 | noncurrent p90 | capital falling |
| 2025-06 | 3 |  | noncurrent p90 |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-19 [CIBC Bank USA Review - SmartAsset](https://news.google.com/rss/articles/CBMid0FVX3lxTFBFbXIxMm51YTFyTUNUeDBiTVZENlRhVmwzV2JlUGpkRjRUTi1hWGxEMDVsODBwOWVIU0RMVXFmMnhHYV9nY18tSFJMWUhCbFloTXk1NjdoV1VDN2FXSk5XMy1wQnRBTXNGc1p1aThhZFZReHBncE1N?oc=5) · SmartAsset
- 2022-07-05 [CIBC Bank USA Chooses Velocity Solutions’ Akouba Digital Lending Platform - Finovate](https://news.google.com/rss/articles/CBMimgFBVV95cUxPaC1WQVlMaEdsRmFtU0phNG8tQndjcklKUFpUakdqaktzUGszSTVkN0g1WWZlRnUtLUZESU1TOEgwQUxBT2NGMERKN00yZXBpY21rLUdFZGFnbF9xN1RqSEZCNC0tTS1Sc1JsME5aZ2U0TWk4SzJtUzhORTl6UXZoN0NjS0I5S25nT1NDVWJqV1llbDJ0bkdNZDh3?oc=5) · Finovate
- 2026-01-12 [CIBC Review | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMiVkFVX3lxTFBRbkRBXzZCc0lGbjNIZ0ttRmZOSmlpa3ZSd3p1Z2Ywb2IyVEYwYnlremdsYW5PLTFCNVl4M2ZCOERaWXpMTmNETFpxWWJ0cTlEcEwtMl93?oc=5) · U.S. News &amp; World Report
- 2025-08-13 [CIBC taps new US CEO - Banking Dive](https://news.google.com/rss/articles/CBMigwFBVV95cUxQTmQzNzRZRjFWck1WMGQ2d0pDWlplYnpQMkZOQkk3QUV5Rm81QlFnY2JwSjBQTDFwYWlQMEVRT2NKRkFHR0piOTB6ZGVLSUNaaW82VVR5ekJudE9vRlN5ZlZIM244MjZlbVhFZ3lXX2VQQzRxLXliODVBdnBvRjQ4WGFfUQ?oc=5) · Banking Dive
- 2021-06-16 [CIBC Bank USA selects Velocity’s digital lending platform - Retail Banker International](https://news.google.com/rss/articles/CBMipwFBVV95cUxOYVE1UDNJVy1LamlyaE1QaS1oVFNEN0xRYU1xTXJidl85YjVpZzZoeFlCb3ZHam1Va1lPaUoyYkJaclBKM013NHVvQnhFMzhYTnRmVGdmWXVHSnNtcnhtcWdWTTNBVmRmQm9QWjhwZEtpZGlhUHNlNXRyZDhhd2VfQnVtZ0tpWF9xbzhCYXlBOW03NFBwSlhGTlFTbG1HZWQ3TVB1MHdSMA?oc=5) · Retail Banker International
- 2024-06-04 [Commercial Real Estate Hall of Fame: CIBC Bank USA’s Jacqueline Barlow - rejournals.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPVFhidVVjMTVSVmdCNlc3SHFISDhoZFRMRGxlMFN3cVRQQXlCeHg4VmNWQmRaSFlYTnplS3dlT0RWVjJKV1d2YTZRRTlkOGczZldHQ2x3QzJkd3lEN3UyUFF5RUhzTDlhS2NSOEJHeUlBZjN5VklpNnBiSEd3NFU1Q0syWUptMnFpV2V4cTdLN3V0TzVtSUhB?oc=5) · rejournals.com
- 2018-05-01 [CIBC Bank USA | CM Stock Price, Company Overview & News - Forbes](https://news.google.com/rss/articles/CBMiW0FVX3lxTE1IbmdxejdfMFExaTlGU25ndVJmQ3lxelBLZkdFOWd4VS1Yb0Q3ZUEyRTFSZUZCUDJVa2hZX1VFT3RoS0l4Y1BKZTl1OWlIOFFGQTBFSW5xWUdYLWc?oc=5) · Forbes
- 2019-04-18 [CIBC Bank USA Review 2025 - Bankrate](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5IbjdwNFhZV0VDV21kR3pnWklDSG85REo0bWJ4Y2RjZTN0STZ2MkREaElhN2FhQnNhVUVXYVZoc2hTbFlTdVpxVVVYNmdFVXVOOUFqZU90cU9rekViYURxbVkyZDZiUQ?oc=5) · Bankrate

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33306 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "33306", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide