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Letter portraitLegal landscapeQuarterYTD

CIBC Bank USA

Chicago, IL · Cert 33306 · Canadian Imperial Bk of Com

State charter, Fed member · FED · 1 affiliate bank · 8 branches (24 in holding)

Q2 2026

$66.5BAssets
$43.3BLoans
$51.5BDeposits
$11.6BEquity
Loan mix
63%RE $20.2B36%C&I $11.4B1%Consumer $0.4BQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $40.3B22%Noninterest $11.2BQ2 2025Q2 2026

NIM

6.16%Q2 ’245.49%Q2 ’255.11%Q2 ’26-7%+2%

Non-interest income vs. expense

1.15%Q2 ’241.14%Q2 ’251.26%Q2 ’26+31%-6%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 7.8% share · #3 of 147 inst. · $49.0B of $630.7B

11.3% Cook
1.9% Oakland
1.9% St. Louis
0.2% Palm Beach

Executive Summary

  • Earnings: ROA of 1.51%, unchanged from a year ago; NIM at 3.10%.
  • Asset quality: problem loans at 1.35% of loans (-35 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 14.34%, up 57 bps from a year ago.
  • Funding: loans stand at 84.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.51%0 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+6 bps YoY

Efficiency Ratio (YTD, annualized)

36.69%+118 bps YoY

Tier 1 Leverage Ratio

14.34%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.48%1.47%1.22%1.51%0 bps
Return on Equity8.86%8.60%8.50%6.99%8.67%-19 bps
Net Interest Margin3.04%3.08%3.01%3.10%3.10%+6 bps
Efficiency Ratio35.51%36.96%37.10%36.35%36.69%+118 bps
Non-Interest Burden0.85%0.89%0.84%0.85%0.79%-5 bps
Growth
Asset Growth (YoY)8.02%4.39%4.00%6.24%10.19%+217 bps
Loan Growth (YoY)7.68%7.16%9.68%11.41%14.61%+694 bps
Deposit Growth (YoY)8.68%3.05%2.85%4.31%8.15%-53 bps
Asset Quality
Nonperforming Loans / Loans1.70%1.55%1.43%1.49%1.35%-35 bps
Net Charge-Offs / Loans0.23%0.19%0.33%0.11%0.25%+2 bps
Allowance / Loans1.30%1.33%1.21%1.30%1.11%-19 bps
Allowance Coverage of NPLs0.8x0.9x0.8x0.9x0.8x+0.1x
Capital
Tier 1 Leverage Ratio13.77%14.05%13.92%14.01%14.34%+57 bps
Total Risk-Based Capital18.40%18.79%18.42%18.21%17.98%-42 bps
Equity / Assets17.70%17.77%17.47%17.40%17.42%-29 bps
Liquidity & Funding
Loans / Deposits79.41%78.66%78.28%80.91%84.15%+475 bps
Liquid Assets / Assets19.04%20.04%20.12%19.00%16.63%-241 bps
CRE / Total Capitaln/a192.36%206%211%n/an/a