CIBC Bank

What CIBC Bank does

CIBC Bank USA is the US banking subsidiary of Canadian Imperial Bank of Commerce (NYSE: CM), a 150-plus-year-old Canadian chartered bank, and operates as a relationship-led commercial, private wealth, personal, and small business bank headquartered at 120 South LaSalle Street in Chicago. The bank serves individual consumers, high net worth families, businesses of all sizes, and specialized industry verticals through twelve staffed US offices spanning Chicago, New York, San Francisco, Boston, Atlanta, Dallas, Denver, Minneapolis, Houston, Newport Beach, Wilmington, and Baltimore, complemented by a digital distribution layer. Its product surface includes personal checking, savings, mortgages, and lending; commercial lending, capital markets, commercial real estate, and treasury management; private wealth investment management, trust, and private banking; and specialty banking in healthcare, asset-based lending, legal, financial institutions, construction, equipment finance, sponsor coverage, insurance, and correspondent banking. Underlying technology consists of the CIBC US Digital Banking platform, a mobile app for iOS and Android, the Agility Digital Banking channel for online savings and CDs, and integrations with Zelle and Apple Pay. CIBC Bank USA is a wholly-owned subsidiary supported by capital markets execution through CIBC World Markets Corp., trust services through CIBC National Trust Company and CIBC Delaware Trust Company, and registered investment advisory through CIBC Private Wealth Advisors, Inc. The entity is also a wholly-owned subsidiary of CIBC Bank USA's parent which holds a 91.7% stake in CIBC Caribbean Bank Limited that is pending sale to Butterfield for approximately $1.794 billion, expected to close in H1 2027. Revenue is generated through net interest income on loans and deposits across personal, commercial, and specialty segments, plus non-interest fee revenue from wealth management, treasury management, capital markets, and advisory mandates, with go-to-market executed via dedicated relationship advisors, physical banking and commercial banking centers, private wealth offices, and the digital banking and mobile app channels.

Name

CIBC Bank

Legal name

CIBC Bank USA

Website

https://us.cibc.com

Company type

Public

Founded year

1867

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

CIBC Bank USA, the US subsidiary of Canadian Imperial Bank of Commerce (NYSE: CM), provides relationship-led commercial, private wealth, personal, and small business banking through twelve staffed US offices and a digital platform serving consumers, businesses, and high net worth clients.

Ownership category

akta.pro rank

Product category

Diversified Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), National Commercial Banks (6021)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Real Estate (Commercial Property, REITs) (FSABACAH), Retail-focused Neobanks (Mass Market) (FSABAFAA)

Keywords

• Commercial banking services
• Personal banking products
• Wealth management services
• Commercial real estate lending
• Treasury management solutions

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest earned on loans and financial products including mortgages, commercial loans, and personal lending
2. Non-Interest Revenue: Fee-based income from wealth management, treasury management services, capital markets, and advisory services
3. Wealth Management: Investment management, private banking, and trustee services for high net worth individuals

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels3 records

Core offering

CIBC Bank USA provides retail and commercial banking, wealth management, and small business financial services to consumers, businesses, and high-net-worth individuals across the United States. The bank delivers these through physical Banking Centers, Commercial Banking Centers, Private Wealth offices, and digital channels including online and mobile banking. Its offerings span deposit accounts, mortgages, personal and commercial lending, treasury management, capital markets, investment management, and trust services.

Differentiator

Problem solved

Functional benefit

Brands

• Agility Digital Banking: Online savings and CD accounts with high-interest rates, including high-yield savings accounts and certificates of deposit.
• CIBC Private Wealth
• CIBC Capital Markets

Products and services

• Personal Checking Personal checking account offerings for individual consumers for everyday banking needs including deposits, withdrawals, and bill payment.
• Personal Savings Personal savings accounts for individual consumers to grow deposits over time.
• Mortgage Residential mortgage lending products for individual consumers for home purchase or refinancing.
• Personal Lending Personal lending and credit products offered to individual consumers for personal financing needs.
• Health Savings Account Health Savings Account (HSA) deposits and related services for individual consumers seeking tax-advantaged medical savings.
• Retirement Retirement savings products for individual consumers planning for retirement.
• Investment Management Investment management services offered through CIBC Private Wealth for high-net-worth individuals and families.
• Wealth Planning and Trustee Services Wealth planning, estate planning, and trustee services offered through CIBC Private Wealth for high-net-worth clients.
• Private Banking Private banking services including customized lending and banking for high-net-worth individuals and families.
• Corporate and Institutional Services Corporate and institutional wealth management services provided through CIBC Private Wealth to corporate clients and institutions.
• Commercial Lending Commercial lending products including term loans, lines of credit, and financing for businesses of all sizes through Commercial Banking Centers.
• Capital Markets Capital markets products and advisory services provided through CIBC Capital Markets including debt and equity underwriting, M&A advisory, and capital raising for corporate and institutional clients.
• Commercial Real Estate Commercial real estate financing products for real estate developers, owners, and investors including construction, permanent, and bridge financing.
• Treasury Management Treasury management services including cash management, payments, collections, liquidity, and fraud prevention tools for business clients.
• SBA Loans U.S. Small Business Administration (SBA) guaranteed loan products for small businesses and entrepreneurs seeking access to capital.
• Small Business Checking Small business checking accounts tailored to small businesses and entrepreneurs with simplified banking processes.
• Savings, Money Market and NOW Accounts Small business savings, money market, and NOW account products for small businesses and nonprofits.
• Agility High-Interest Savings Account Online high-interest savings account offered through the Agility Digital Banking platform for digital-first customers.
• Agility Certificate of Deposit Online certificates of deposit offered through the Agility Digital Banking platform for digital-first customers.

Quantifiable outcome

• 43% increase in net income year-over-year in Q1 2026
• +1 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

One partnership is on record.

• Avantis Investors by American Century InvestmentsstrategicStrategic or Co-development Partner · 25 November 2025CIBC Asset Management Inc. announced a strategic alliance with Avantis Investors to launch eight new ETFs in Canada. The partnership aims to bring innovative ETF solutions to the Canadian market. Preliminary prospectus issued November 25, 2025.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• KeyCorp (KeyBank): KeyBank is a mid-sized US commercial bank offering commercial banking, commercial real estate finance, and wealth services — comparable to CIBC Bank USA in scale and segment mix.
• PNC Financial Services: PNC is a US regional commercial bank of comparable scale with strong commercial banking, CRE financing, and wealth management franchises, competing head-to-head with CIBC Bank USA in many of the same US metropolitan markets.
• M&T Bank: M&T is a US regional bank with a comparable mid-market commercial lending footprint and commercial real estate franchise, serving many of the same East Coast and Midwest markets as CIBC Bank USA.
• Fifth Third Bank: Fifth Third is a US regional bank with overlapping commercial banking, specialty industry lending (healthcare, etc.), wealth management, and digital banking offerings — directly comparable to CIBC's segment structure.
• TD Bank (US Operations): TD Bank's US retail and commercial banking subsidiary is structurally analogous to CIBC Bank USA — both are US banking subsidiaries of major Canadian chartered banks, offering similar combinations of personal, commercial, small business, and wealth management services in comparable US geographies.
• Citizens Financial Group: Citizens is a mid-size US commercial bank with a similar mix of personal banking, commercial lending (including commercial real estate), and wealth management — overlapping directly with CIBC Bank USA's segment mix and customer profiles.
• Regions Financial Corporation: Regions is a regional commercial bank with similar mid-market commercial and personal banking services, including small business lending and wealth management, competing in overlapping geographies with CIBC Bank USA.
• BMO Harris Bank: BMO Harris is the US banking subsidiary of BMO Financial Group (a Canadian chartered bank), making it a near-direct structural parallel to CIBC Bank USA. Both compete in US Midwest commercial banking, retail deposits, and wealth management with similar product breadth.

Broad incumbents

• Bank of America (Business Banking): Bank of America competes with CIBC Bank USA across small business banking, commercial lending, and wealth management through Merrill, but as part of a national full-service franchise with vastly greater scale and product breadth.
• JPMorgan Chase (Commercial Banking): JPMorgan's Commercial Banking division competes with CIBC Bank USA across middle-market lending, CRE financing, treasury management, and capital markets, though at much greater scale and as part of a broader diversified franchise.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/cibc
• YouTubeyoutube.com/user/CIBC
• Facebookfacebook.com/CIBCUS
• LinkedInlinkedin.com/company/cibc_us
• Instagraminstagram.com/cibc_us

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments19 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CIBC Bank