Los Angeles, CA · Cert 18618 · Sumitomo Mitsui Finl Group Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
69
Asset Quality
44
Profitability
0
Liquidity
17
Efficiency
100
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.
Los Angeles, CA · Cert 18618 · Sumitomo Mitsui Finl Group Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.8% share · #19 of 107 inst. · $5.6B of $667.8B
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 | -3.59% | -3.08% | -2.33% | -2.70% | -2.30% | -2.43% | -6.85% | -3.56% | -86 bps | |
| Return on Equity | -24.89% | -20.61% | -14.58% | -17.50% | -15.68% | -17.37% | -63.90% | -32.51% | -1,501 bps | |
| Net Interest Margin | 3.37% | 3.29% | 3.34% | 3.19% | 3.30% | 3.14% | 0.43% | 0.87% | -232 bps | |
| Efficiency Ratio | 153.94% | 150.61% | 155.31% | 154.81% | 151.78% | 150.21% | 485% | 16.50% | -13,831 bps | |
| Non-Interest Burden | 5.31% | 5.11% | 5.30% | 5.07% | 5.13% | 4.88% | 3.19% | -0.24% | -531 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.69% | 29.52% | 30.39% | 22.80% | 32.42% | 21.16% | 16.01% | -2.42% | -2,522 bps | |
| Loan Growth (YoY) | 33.53% | 31.17% | 25.11% | 19.78% | 16.01% | 13.54% | 2.28% | -40.23% | -6,001 bps | |
| Deposit Growth (YoY) | 26.93% | 35.15% | 34.24% | 22.93% | 33.17% | 30.04% | 24.12% | -0.08% | -2,301 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.62% | 1.65% | 1.56% | 1.11% | 0.59% | 0.40% | 0.33% | 0.30% | -80 bps | |
| Net Charge-Offs / Loans | 0.38% | 0.54% | 1.34% | 1.37% | 1.69% | 5.43% | 6.16% | 4.97% | +360 bps | |
| Allowance / Loans | 4.81% | 4.93% | 5.02% | 5.24% | 4.68% | 1.20% | 0.00% | 0.00% | -524 bps | |
| Allowance Coverage of NPLs | 3.0x | 3.0x | 3.2x | 4.7x | 8.0x | 3.0x | 0.0x | 0.0x | -4.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.93% | 17.76% | 15.45% | 13.66% | 13.13% | 11.78% | 9.64% | 9.63% | -403 bps | |
| Total Risk-Based Capital | 16.10% | 23.63% | 22.38% | 20.51% | 19.57% | 18.45% | 15.51% | 24.05% | +354 bps | |
| Equity / Assets | 12.19% | 16.68% | 15.34% | 14.38% | 12.59% | 11.64% | 9.80% | 11.46% | -292 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.86% | 81.42% | 78.08% | 80.63% | 73.92% | 71.09% | 64.34% | 48.23% | -3,240 bps | |
| Liquid Assets / Assets | 13.45% | 16.45% | 15.90% | 10.88% | 17.77% | 22.48% | 28.58% | 43.14% | +3,225 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 171.92% | 173.75% | 194.85% | n/a | n/a | |
Los Angeles, CA · Cert 18618 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · Sumitomo Mitsui Finl Group Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
-3.95%
Rank 19 of 19
Net Interest Margin
0.87%
Rank 19 of 19
Efficiency Ratio
16.50%
Rank 1 of 19
Equity / Assets
11.46%
Rank 8 of 19
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.95% | 1.10% | 1.26% | 1.57% | Beats 0% | 19 / 19 | ||
| Return on Equity | -34.50% | 8.62% | 11.28% | 14.70% | Beats 0% | 19 / 19 | ||
| Net Interest Margin | 0.87% | 3.07% | 3.30% | 3.62% | Beats 0% | 19 / 19 | ||
| Efficiency Ratio | 16.50% | 33.01% | 51.12% | 56.65% | Beats 100% | 1 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.37% | 0.80% | 1.55% | Beats 82% | 4 / 17 | ||
| Net Charge-Offs / Loans | 2.49% | 0.00% | 0.01% | 0.05% | Beats 6% | 17 / 17 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.92% | 12.10% | 14.67% | 23.92% | Beats 74% | 5 / 19 | ||
| Total Risk-Based Capital Ratio | 24.05% | 13.35% | 14.67% | 24.05% | Beats 74% | 5 / 19 | ||
| Equity / Assets | 11.46% | 9.84% | 11.18% | 14.01% | Beats 58% | 8 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 48.23% | 79.34% | 95.16% | 100.04% | 11th pctl | 17 / 19 | ||
| Loans / Assets | 40.68% | 69.86% | 77.55% | 83.04% | 11th pctl | 17 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||