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Sumitomo Mitsui Trust Bank (U.S.A.) Limited

Hoboken, NJ · Cert 27054 · Sumitomo Mitsui Tr Group Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

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.

Peer group

Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

87

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

83

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sumitomo Mitsui Trust Bank (U.S.A.) Limited

Hoboken, NJ · Cert 27054 · Sumitomo Mitsui Tr Group Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$3.9BAssets
$437KLoans
$3.3BDeposits
$546.6MEquity
Deposit mix
71%Interest-bearing $2.4B29%Noninterest $1.0BQ2 2025Q2 2026

NIM

4.77%Q2 ’243.91%Q2 ’253.21%Q2 ’26-19%-12%

Non-interest income vs. expense

2.77%Q2 ’242.43%Q2 ’252.33%Q2 ’26-77%-604%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #45 of 151 inst. · $3.3B of $2921.1B

Executive Summary

  • Earnings: ROA of 1.93%, down 1 bps year over year; NIM at 2.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.72%, down 46 bps from a year ago.
  • Funding: loans stand at 0.01% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.93%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.06%-27 bps YoY

Efficiency Ratio (YTD, annualized)

51.66%+35 bps YoY

Tier 1 Leverage Ratio

12.72%-46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.94%1.96%1.94%1.91%1.93%-1 bps
Return on Equity14.00%14.60%14.25%13.44%13.68%-32 bps
Net Interest Margin2.33%2.30%2.40%2.15%2.06%-27 bps
Efficiency Ratio51.30%49.71%50.21%51.79%51.66%+35 bps
Non-Interest Burden0.02%-0.04%-0.08%-0.13%-0.12%-15 bps
Growth
Asset Growth (YoY)16.05%12.22%22.37%-0.64%-2.72%-1,877 bps
Loan Growth (YoY)-11.27%-51.21%-73.96%31.17%-21.82%-1,055 bps
Deposit Growth (YoY)16.91%13.14%25.54%-1.88%-4.15%-2,107 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.18%13.19%14.50%13.14%12.72%-46 bps
Total Risk-Based Capital36.74%36.64%41.04%37.46%45.25%+851 bps
Equity / Assets12.70%12.23%14.58%13.86%13.95%+125 bps
Liquidity & Funding
Loans / Deposits0.02%0.03%0.01%2.10%0.01%0 bps
Liquid Assets / Assets97.96%97.81%97.40%95.52%96.78%-118 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Sumitomo Mitsui Trust Bank (U.S.A.) Limited

Hoboken, NJ · Cert 27054 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Sumitomo Mitsui Tr Group Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$3.9BAssets
$437KLoans
$3.3BDeposits
$546.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 6 of 36).
  • Widest gap: net interest margin trails 86% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 31 of 36).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.89%

Rank 6 of 36

Net Interest Margin

2.06%

Rank 31 of 36

Efficiency Ratio

51.66%

Rank 7 of 35

Equity / Assets

13.95%

Rank 10 of 36

Non-interest income vs. expense

$105.5M$100.2MINCOMEEXPENSE
Favorable gap of $5.3M · efficiency ratio beats 83% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 51.66%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.89%0.65%1.00%1.72%Beats 83%6 / 36
Return on Equity13.56%5.35%9.30%13.56%Beats 74%9 / 35
Net Interest Margin2.06%2.66%3.13%3.63%Beats 14%31 / 36
Efficiency Ratio51.66%52.19%63.09%75.14%Beats 83%7 / 35
Asset Quality
Nonperforming Loans / Loans0.00%0.46%0.84%1.59%Beats 100%6 / 36
Net Charge-Offs / Loans0.00%n/a0.03%0.14%Beats 100%11 / 36
Capital
Tier 1 Capital Ratio45.25%13.13%14.78%18.34%Beats 94%2 / 36
Total Risk-Based Capital Ratio45.25%13.73%15.96%19.27%Beats 94%2 / 36
Equity / Assets13.95%9.80%11.58%14.82%Beats 72%10 / 36
Liquidity & Funding
Loans / Deposits0.01%81.12%95.13%103.24%0th pctl36 / 36
Loans / Assets0.01%67.44%76.31%84.79%0th pctl36 / 36
Brokered Deposits / Depositsn/aNot reported for this institution