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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

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

NIM

5.07%Q2 ’243.98%Q2 ’253.33%Q2 ’26-23%-9%

Non-interest income vs. expense

2.76%Q2 ’242.44%Q2 ’252.37%Q2 ’26-143%-306%

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 1.96%, up 14 bps year over year; NIM at 2.11%.
  • 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 (quarter, annualized)

1.96%+14 bps YoY

Net Interest Margin (quarter, annualized)

2.11%-20 bps YoY

Efficiency Ratio (quarter, annualized)

51.53%+44 bps YoY

Tier 1 Leverage Ratio

12.72%-46 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%1.98%1.77%1.91%1.96%+14 bps
Return on Equity14.27%15.88%13.28%13.44%14.10%-17 bps
Net Interest Margin2.31%2.42%2.25%2.15%2.11%-20 bps
Efficiency Ratio51.09%46.72%51.69%51.79%51.53%+44 bps
Non-Interest Burden-0.03%-0.18%-0.17%-0.13%-0.12%-9 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