BlastPoint's Banking Scorecard
CIBC Bank USA
Large
Specialty: Commercial
IL
FDIC cert 33306
Chicago, IL
69
banks in Large tier nationally
2 in IL
View Large leaderboard (IL) →
CIBC Bank USA has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 17.93% below tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 31% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$64.0B
+4.0% YoY
+4.1% QoQ
|
-$10.9B |
$74.9B
-4.4% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$39.3B
+10.0% YoY
+4.7% QoQ
|
-$7.2B |
$46.4B
-2.1% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$50.8B
+2.8% YoY
+5.1% QoQ
|
-$9.7B |
$60.5B
-4.5% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
1.47%
-3.5% YoY
-0.9% QoQ
|
+0.27% |
1.19%
+17.8% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
3.14%
-3.9% YoY
+0.5% QoQ
|
-0.32% |
3.46%
+13.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
37.10%
+9.0% YoY
+0.4% QoQ
|
-17.93% |
55.03%
-2.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
1.45%
-10.4% YoY
-7.6% QoQ
|
+0.57% |
0.88%
-0.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
77.33%
+6.9% YoY
-0.4% QoQ
|
-4.39% |
81.72%
+3.9% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
22.76%
+8.5% YoY
+5.5% QoQ
|
+2.79% |
19.97%
+0.5% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.89%
-5.2% YoY
-6.9% QoQ
|
+0.34% |
0.55%
+9.0% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
17.22%
+2.6% YoY
-1.8% QoQ
|
+3.89% |
13.33%
-0.7% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.37%
-0.5% YoY
+60.4% QoQ
|
-0.72% |
1.09%
+2.4% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 9%
in Large
Why this stands out
Current:
37.10%
(Tier avg: 55.03%, National avg: 65.09%)
Concerns (1)
Liquidity Overhang
risk
#5 of 14 · Bottom 31% in Large
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.22%
(Tier: 13.33%, National: 9.75%)
Loan-to-Deposit Ratio:
77.33%
(Tier: 81.72%, National: 78.04%)
14 of 14 Large banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Efficiency Ratio
Current: 37.10% · Tier avg: 55.03%
90
90th pctile
Tier 1 Capital Ratio
Current: 17.22% · Tier avg: 13.33%
80
80th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.19%
62
62th pctile
Total Loans
Current: $39.3B · Tier avg: $46.4B
61
61th pctile
Total Assets
Current: $64.0B · Tier avg: $74.9B
59
59th pctile
Total Deposits
Current: $50.8B · Tier avg: $60.5B
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 22.76% · Tier avg: 19.97%
32
32th pctile
Loan-to-Deposit Ratio
Current: 77.33% · Tier avg: 81.72%
30
30th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.46%
19
19th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.55%
18
18th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 1.09%
16
16th pctile
Delinquency Rate
Current: 1.45% · Tier avg: 0.88%
Top Weaknesses
16
16th pctile
Delinquency Rate
Current: 1.45% · Tier avg: 0.88%
18
18th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 1.09%
19
19th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.55%
30
30th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.46%
32
32th pctile
Loan-to-Deposit Ratio
Current: 77.33% · Tier avg: 81.72%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 22.76% · Tier avg: 19.97%
59
59th pctile
Total Deposits
Current: $50.8B · Tier avg: $60.5B
61
61th pctile
Total Assets
Current: $64.0B · Tier avg: $74.9B
62
62th pctile
Total Loans
Current: $39.3B · Tier avg: $46.4B
80
80th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.19%
90
90th pctile
Tier 1 Capital Ratio
Current: 17.22% · Tier avg: 13.33%
91
91th pctile
Efficiency Ratio
Current: 37.10% · Tier avg: 55.03%