CIBC Bank USA
Chicago, Illinois, Cook County
$66.5B in total assets, the 44th largest of 4,309 US banks and 3rd of 328 headquartered in Illinois.
- FDIC certificate
- 33306
- Established
- 1991
- Owned by
- Canadian Imperial Bk Of Com
- Primary regulator
- FED
- Website
- us.cibc.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $66.5B | 92% | $22.4B | |
| Loans | $43.3B | 91% | $14.4B | |
| Deposits | $51.5B | 89% | $18.0B | |
| Return on assets | 1.48% | 72% | 1.29% | |
| Net interest margin | 3.14% | 24% | 3.62% | |
| Efficiency ratio | 36.7% | 10% | 55.2% | |
| Equity to assets | 17.42% | 97% | 11.57% | |
| Loans to deposits | 84% | 40% | 87% |
Growth
Total assets grew 8.1% a year over the last 5 years and 13.9% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2010 | The PrivateBank, N.A. Milwaukee, WI | $184M |
| Jul 2009 | Founders Bank Worth, IL | $889M |
| Jun 2009 | The PrivateBank Saint Louis, MO | $619M |
| Apr 2009 | The PrivateBank Bloomfield Hills, MI | $1.2B |
| Dec 2008 | The PrivateBank Atlanta, GA | $375M |
| Feb 2000 | Johnson Bank Illinois Lake Forest, IL | $114M |
Where they operate
8 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Cook County, IL | $49.0B | 10.5% | 3 of 90 |
| Oakland County, MI | $1.4B | 1.9% | 8 of 29 |
| St. Louis County, MO | $898M | 1.9% | 13 of 55 |
| Palm Beach County, FL | $107M | 0.2% | 33 of 56 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 20 branches since 2016 (28 to 8, −71.4%). 6 opened, 0 acquired, 26 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 28 | |||
| 2016 | Opened WilmetteClosed Rochester | 1 | 1 | 0 | 28 |
| 2018 | Closed Palos Park and Skokie | 0 | 2 | −2 | 26 |
| 2019 | Opened Chicago | 1 | 0 | +1 | 27 |
| 2021 | Opened Chicago and PlainfieldClosed Plainfield | 2 | 2 | 0 | 27 |
| 2022 | Closed 5 in 4 states | 0 | 5 | −5 | 22 |
| 2023 | Opened Palm Beach and San Francisco | 2 | 0 | +2 | 24 |
| 2024 | Closed 5 in Illinois | 0 | 5 | −5 | 19 |
| 2025 | Closed 3 in Illinois | 0 | 3 | −3 | 16 |
| 2026 through Q2 | Closed 8 in 3 states | 0 | 8 | −8 | 8 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 28% | 25% | |
| Business (C&I) | 28% | 17% | |
| Multifamily | 9% | 8% | |
| 1-4 family residential | 5% | 21% | |
| Construction and land | 5% | 6% | |
| Consumer | 1% | 10% | |
| Other | 23% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 68% | 62% | |
| Noninterest-bearing | 22% | 20% | |
| Time deposits | 11% | 18% |
Brokered deposits are 9.1% of deposits (peers 7.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.35% | 0.63% |
| Net charge-offs, annualized | 0.26% | 0.14% |
| Reserves to loans | 1.11% | 1.15% |
| Leverage ratio | 14.34% | 10.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Cook County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/cibc-usa