BlastPoint's Banking Scorecard
CIBC National Trust Company
Micro
Specialty: Other
GA
FDIC cert 91325
Atlanta, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
CIBC National Trust Company demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 41.33% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$397.2M
+4.4% YoY
-0.8% QoQ
|
+$179.7M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? | $0 | -$139.2M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$1.5M
+137.6% YoY
+122.3% QoQ
|
-$182.1M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
13.26%
-19.9% YoY
+9.1% QoQ
|
+12.18% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
- |
| Net Interest Margin ? |
4.84%
-16.8% YoY
-0.2% QoQ
|
+0.99% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
59.78%
+6.7% YoY
+3.2% QoQ
|
-7.95% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? | - | - |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -74.53% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
63.72%
+290.9% YoY
+193.6% QoQ
|
+41.33% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
198.55%
+4.1% YoY
-19.5% QoQ
|
+189.69% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
43.80%
-6.0% YoY
+53.8% QoQ
|
+43.24% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
63.72%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 63.72% · Tier avg: 22.39%
88
88th pctile
Total Assets
Current: $397.2M · Tier avg: $217.5M
88
88th pctile
Net Interest Margin
Current: 4.84% · Tier avg: 3.85%
68
68th pctile
Efficiency Ratio
Current: 59.78% · Tier avg: 67.73%
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $1.5M · Tier avg: $183.7M
Top Weaknesses
1
1th pctile
Total Deposits
Current: $1.5M · Tier avg: $183.7M
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
68
68th pctile
Efficiency Ratio
Current: 59.78% · Tier avg: 67.73%
88
88th pctile
Net Interest Margin
Current: 4.84% · Tier avg: 3.85%
88
88th pctile
Total Assets
Current: $397.2M · Tier avg: $217.5M
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 63.72% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%