SMBC Manubank

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

$6.6BAssets

$2.7BLoans

$5.6BDeposits

$756.2MEquity

Executive Summary

Strongest standing: efficiency ratio outperforms 100% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 1 of 19).
Widest gap: net interest margin trails 100% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 19 of 19).
Overall: at or above the peer median on 5 of 9 directional measures.

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

Non-interest income vs. expense

Favorable gap of $17.8M · efficiency ratio beats 100% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
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