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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 75thStandingRank8-Qtr TrendPeer 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