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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

6.19%Q2 ’245.54%Q2 ’255.18%Q2 ’26-4%+0%

Non-interest income vs. expense

1.11%Q2 ’241.23%Q2 ’251.33%Q2 ’26+25%+2%

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 1.80%, up 5 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 1.35% of loans (-35 bps YoY), with net charge-offs at 0.39%.
  • 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 (quarter, annualized)

1.80%+5 bps YoY

Net Interest Margin (quarter, annualized)

3.14%+1 bps YoY

Efficiency Ratio (quarter, annualized)

37.01%+186 bps YoY

Tier 1 Leverage Ratio

14.34%+57 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%1.44%1.45%1.22%1.80%+5 bps
Return on Equity10.10%8.09%8.21%6.99%10.33%+23 bps
Net Interest Margin3.13%3.19%3.15%3.10%3.14%+1 bps
Efficiency Ratio35.15%39.66%37.47%36.35%37.01%+186 bps
Non-Interest Burden0.74%1.00%0.75%0.85%0.75%+1 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 / Loans0.34%0.13%0.76%0.11%0.39%+4 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