Chicago, IL · Cert 33306 · Canadian Imperial Bk of Com
State charter, Fed member · FED · 1 affiliate bank · 8 branches (24 in holding)
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 7.8% share · #3 of 147 inst. · $49.0B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.60% | 1.52% | 1.27% | 1.51% | 1.48% | 1.47% | 1.22% | 1.51% | 0 bps | |
| Return on Equity | 9.44% | 9.01% | 7.59% | 8.86% | 8.60% | 8.50% | 6.99% | 8.67% | -19 bps | |
| Net Interest Margin | 3.17% | 2.99% | 2.96% | 3.04% | 3.08% | 3.01% | 3.10% | 3.10% | +6 bps | |
| Efficiency Ratio | 32.10% | 34.03% | 35.95% | 35.51% | 36.96% | 37.10% | 36.35% | 36.69% | +118 bps | |
| Non-Interest Burden | 0.66% | 0.73% | 0.95% | 0.85% | 0.89% | 0.84% | 0.85% | 0.79% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.53% | 12.16% | 11.36% | 8.02% | 4.39% | 4.00% | 6.24% | 10.19% | +217 bps | |
| Loan Growth (YoY) | 5.12% | 8.70% | 8.32% | 7.68% | 7.16% | 9.68% | 11.41% | 14.61% | +694 bps | |
| Deposit Growth (YoY) | 12.66% | 12.50% | 11.98% | 8.68% | 3.05% | 2.85% | 4.31% | 8.15% | -53 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.31% | 1.59% | 2.03% | 1.70% | 1.55% | 1.43% | 1.49% | 1.35% | -35 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.28% | 0.11% | 0.23% | 0.19% | 0.33% | 0.11% | 0.25% | +2 bps | |
| Allowance / Loans | 1.48% | 1.45% | 1.46% | 1.30% | 1.33% | 1.21% | 1.30% | 1.11% | -19 bps | |
| Allowance Coverage of NPLs | 1.1x | 0.9x | 0.7x | 0.8x | 0.9x | 0.8x | 0.9x | 0.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.30% | 12.80% | 13.30% | 13.77% | 14.05% | 13.92% | 14.01% | 14.34% | +57 bps | |
| Total Risk-Based Capital | 18.08% | 18.03% | 18.17% | 18.40% | 18.79% | 18.42% | 18.21% | 17.98% | -42 bps | |
| Equity / Assets | 16.93% | 16.46% | 16.93% | 17.70% | 17.77% | 17.47% | 17.40% | 17.42% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.65% | 73.40% | 75.75% | 79.41% | 78.66% | 78.28% | 80.91% | 84.15% | +475 bps | |
| Liquid Assets / Assets | 23.17% | 24.81% | 22.39% | 19.04% | 20.04% | 20.12% | 19.00% | 16.63% | -241 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 192.36% | 206% | 211% | n/a | n/a | |