PackageTrendsPeer
Letter portraitLegal landscape

CIBC National Trust Company

Atlanta, GA · Cert 91325 · Canadian Imperial Bk of Com

National charter · OCC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

95

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

60

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

CIBC National Trust Company

Atlanta, GA · Cert 91325 · Canadian Imperial Bk of Com

National charter · OCC · 1 affiliate bank · 16 branches (24 in holding)

Q2 2026

$412.8MAssets
$0KLoans
$550KDeposits
$278.8MEquity
Deposit mix
100%Interest-bearing $550K0%Noninterest $0KQ2 2025Q2 2026

NIM

0.92%Q2 ’240.73%Q2 ’250.62%Q2 ’26-25%-17%

Non-interest income vs. expense

22.11%Q2 ’2422.14%Q2 ’2527.55%Q2 ’26+8%-19%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.0% share · #78 of 81 inst. · $0.0B of $255.1B

0.0% Fulton
0.0% Cook
0.0% District of Columbia
0.0% Suffolk

Executive Summary

  • Earnings: ROA of 13.72%, up 212 bps year over year; NIM at 0.82%.
  • Capital: tier 1 leverage ratio of 59.61%, up 181 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

13.72%+212 bps YoY

Net Interest Margin (YTD, annualized)

0.82%-17 bps YoY

Efficiency Ratio (YTD, annualized)

59.15%+196 bps YoY

Tier 1 Leverage Ratio

59.61%+181 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets11.60%12.16%13.26%13.24%13.72%+212 bps
Return on Equity16.81%17.75%19.33%19.17%20.02%+321 bps
Net Interest Margin0.99%0.96%0.97%0.79%0.82%-17 bps
Efficiency Ratio57.19%57.90%59.78%56.64%59.15%+196 bps
Non-Interest Burden-15.05%-15.82%-17.40%-17.54%-17.89%-284 bps
Growth
Asset Growth (YoY)12.45%7.26%4.43%5.58%3.76%-868 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)-6.04%6.73%137.62%25.42%-6.94%-90 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio57.79%58.81%61.05%60.56%59.61%+181 bps
Total Risk-Based Capital251%247%198.66%165.88%216%-3,491 bps
Equity / Assets66.46%67.11%69.14%68.96%67.53%+107 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets14.19%14.24%14.55%14.63%14.30%+11 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

CIBC National Trust Company

Atlanta, GA · Cert 91325 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=20) · Canadian Imperial Bk of Com

National charter · OCC · 1 affiliate bank · 16 branches (24 in holding)

Q2 2026

$412.8MAssets
$0KLoans
$550KDeposits
$278.8MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 95% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 1 of 20).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 20 of 20).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

13.39%

Rank 1 of 20

Net Interest Margin

0.82%

Rank 20 of 20

Efficiency Ratio

59.83%

Rank 9 of 20

Equity / Assets

67.53%

Rank 1 of 20

Non-interest income vs. expense

$181.1M$109.8MINCOMEEXPENSE
Favorable gap of $71.3M · efficiency ratio beats 60% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area
Bank 59.83%Peer median 61.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets13.39%1.08%1.42%1.85%Beats 95%1 / 20
Return on Equity19.82%9.57%13.48%17.30%Beats 95%1 / 20
Net Interest Margin0.82%3.38%3.99%4.50%Beats 0%20 / 20
Efficiency Ratio59.83%47.39%61.42%73.60%Beats 60%9 / 20
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio216%13.64%16.79%19.57%Beats 95%1 / 20
Total Risk-Based Capital Ratio216%14.77%17.61%20.82%Beats 95%1 / 20
Equity / Assets67.53%9.66%10.94%13.62%Beats 95%1 / 20
Liquidity & Funding
Loans / Deposits0.00%70.35%84.66%95.83%0th pctl20 / 20
Loans / Assets0.00%62.58%72.89%77.86%0th pctl20 / 20
Brokered Deposits / Depositsn/aNot reported for this institution