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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

1.08%Q2 ’240.78%Q2 ’250.66%Q2 ’26-31%-17%

Non-interest income vs. expense

20.70%Q2 ’2427.01%Q2 ’2531.38%Q2 ’26+9%-28%

Financial Results

Return on Assets (quarter, annualized)

14.26%+293 bps YoY

Net Interest Margin (quarter, annualized)

0.88%-18 bps YoY

Efficiency Ratio (quarter, annualized)

61.20%-148 bps YoY

Tier 1 Leverage Ratio

59.61%+181 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets11.33%13.17%16.39%13.24%14.26%+293 bps
Net Interest Margin1.07%0.93%0.98%0.79%0.88%-18 bps
Non-Interest Burden-14.59%-17.58%-22.06%-17.54%-18.73%-415 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Tier 1 Leverage Ratio57.79%58.81%61.05%60.56%59.61%+181 bps
Equity / Assets66.46%67.11%69.14%68.96%67.53%+107 bps
Liquid Assets / Assets14.19%14.24%14.55%14.63%14.30%+11 bps