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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Illinois, the state note

CIBC Bank USA

Chicago, Illinois · $66.50B in assets · beside the 11 other the Great Lakes states banks over $10B (the state alone holds too few in the band to rank)

The filing

17.4%
Equity / assets
1st of 12
1.35%
NPA / loans
12th of 12
36.8%
Efficiency
1st of 12

CIBC Bank USA is the third largest of the 12 the Great Lakes states banks nearest its size over $10B, with $66.50B in assets at 30 June 2026. Loans are 84.2% of deposits, 3rd of 12 against a median of 89.7%, and equity is 17.4% of assets, the highest in the cohort. Loans grew +14.6% in the year, 7th of 12, and deposits grew 8.1%; the cohort's median loan growth is +15.1%.

Noncurrent loans are 1.35% of the book, the highest in the cohort against a median of 0.76%; 0.12% is 30 to 89 days past due, and the allowance covers them 0.8 times. Net charge-offs are 0.25% of loans, 9th of 12. Commercial real estate is 32.3% of loans, 8th of 12 against a median of 28.7%, and 149% of capital, below the 300% screen, with construction at 23% against the 100% screen.

Return on assets is 1.53%, 3rd of 12 against a median of 1.43%, on an efficiency ratio of 36.8%, the lowest in the cohort. Five years ago it was 1.21%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Nonperforming loans, share of loansGreat Lakes states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 0.76% NT Northern Trust Co. 0.23% TF Third Federal Savings & Loan Association of Cleveland 0.25% AB Associated Bank N.A. 0.42% BB Busey Bank 0.51% NN Nicolet National Bank 0.63% FF First Financial Bank 0.70% CB Centier Bank 0.82% FM First Merchants Bank 0.82% PN Park National Bank 0.86% ON Old National Bank 0.92% MB Merchants Bank of Indiana 1.18% CB CIBC Bank USA 1.35%
Loans, year over yearGreat Lakes states banks over $10B · 30 June 2026 · no better direction, largest first
median +15.1% NN Nicolet National Bank +64.5% PN Park National Bank +22.2% AB Associated Bank N.A. +19.1% FM First Merchants Bank +17.1% FF First Financial Bank +16.6% MB Merchants Bank of Indiana +15.5% CB CIBC Bank USA +14.6% ON Old National Bank +5.9% CB Centier Bank +4.4% TF Third Federal Savings & Loan Association of Cleveland +3.6% NT Northern Trust Co. +1.2% BB Busey Bank -4.5%

SBA 7(a), FY2008 to FY2026

CIBC Bank USA is the 32nd largest 7(a) lender into Illinois of 537, with $100M across 144 loans, 0.7% of everything approved in the state (Byline Bank leads with $2.39B). 84 of its 154 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Illinois, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Cook, IL$53M28th of 2820.8%+0.0 pts
Dupage, IL$19M24th of 1881.0%-1.3 pts
Saint Louis, MO$15M26th of 1781.0%quiet FY2020
Oakland, MI$13M29th of 1850.5%quiet FY2021
Jackson, MO$9M29th of 1830.9%-0.9 pts
Wake, NC$8M42nd of 1810.5%+0.3 pts
Fulton, GA$8M70th of 2110.2%thin
Los Angeles, CA$8M139th of 3080.0%-0.2 pts
Lake, IL$8M36th of 1600.7%+0.1 pts
Will, IL$7M30th of 1450.8%thin
Saint Charles, MO$6M16th of 1361.4%thin
Summit, OH$6M30th of 1060.7%quiet FY2021
Kane, IL$6M29th of 1410.8%+0.9 pts
141 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance117$64M15.8%0.14%110th of 2,172
Manufacturing65$63M15.6%0.16%113th of 2,246
Professional & technical services63$54M13.3%0.17%85th of 1,955
Construction63$52M12.8%0.16%100th of 2,063
Other services64$40M9.9%0.12%145th of 2,248
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and CIBC Bank USA
BB Byline Bank 15.8% $2.39B · 2,427 loans TH The Huntington National Bank 6.2% $942M · 4,109 loans UB U.S. Bank, National Association 4.6% $694M · 2,828 loans JC JPMorgan Chase Bank, National Ass… 4.4% $660M · 4,997 loans LO Live Oak Banking Company 4.0% $607M · 489 loans VB Village Bank and Trust, National … 2.6% $396M · 826 loans MB Millennium Bank 2.4% $366M · 195 loans BB Busey Bank 2.1% $317M · 323 loans WF Wells Fargo Bank National Associa… 1.7% $250M · 513 loans FT Fifth Third Bank 1.6% $244M · 721 loans CB CIBC Bank USA 0.7% $100M · 144 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
CIBC Bank USARankCohort median
Total CRE against capital, the 300% screen149%3rd of 12190%
Construction against capital, the 100% screen23%3rd of 1241%
Construction and land development, share of loans4.9%4th of 126.0%
Non-owner-occupied nonfarm nonresidential, share of loans18.2%9th of 1216.6%
Total CRE, the guidance definition, share of loans32.3%8th of 1228.7%
CRE growth over 36 months, the third prong+42.1%8th of 12+24.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Northern Trust Co.$178.57B1.6%70.3%0.23%0.00%0.4%29.6%6.7%
Old National Bank$73.86B1.4%49.4%0.92%0.25%1.1%89.2%11.3%
CIBC Bank USA$66.50B1.5%36.8%1.35%0.25%1.1%84.2%17.4%
Associated Bank N.A.$51.76B1.0%58.8%0.42%0.16%1.2%91.2%10.4%
First Financial Bank$22.35B1.5%57.5%0.70%0.27%1.4%77.3%13.4%
First Merchants Bank$21.32B0.7%65.2%0.82%0.18%1.5%93.0%12.8%
Merchants Bank of Indiana$21.17B1.5%40.2%1.18%0.39%0.4%121.1%11.0%
Busey Bank$18.15B1.3%59.9%0.51%0.21%1.2%87.1%13.7%
Third Federal Savings & Loan Association of Cleveland$18.06B0.6%60.7%0.25%-0.02%0.5%159.7%9.9%
Nicolet National Bank$15.39B1.0%64.9%0.63%0.03%1.2%87.0%15.0%
Park National Bank$12.61B1.8%54.7%0.86%0.11%1.1%90.3%12.4%
Centier Bank$10.41B1.5%48.2%0.82%0.08%1.2%92.3%9.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
CIBC Bank USACohort median
20212026Change20212026Change
Loans$26.40B$43.31B+64%$9.34B$15.94B+71%
Deposits$35.73B$51.47B+44%$10.80B$15.97B+48%
NPA / loans0.65%1.35%+0.70 pts0.51%0.76%+0.25 pts
Efficiency42.6%36.8%-5.8 pts56.5%58.1%+1.6 pts
ROA1.21%1.53%+0.32 pts1.36%1.43%+0.07 pts

This read was prepared for CIBC Bank USA's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on CIBC Bank USA is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Great Lakes states banks over $10B
Institution us.cibc.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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