| Metric | SMBC MANUBANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +5.5% | -7.9 pts |
| Deposit growth (YoY) | -0.1% | +5.1% | -5.1 pts |
| Loan growth (YoY) | -36.9% | +5.9% | -42.8 pts |
| ROA | -3.56% | 1.26% | -4.8 pts |
| ROE | -32.5% | 12.2% | -44.7 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.60B | $5.56B | $2.68B | $756.2M | $-130.4M | -3.56% | 0.94% | 0.12% |
| Q1 2026 | $7.73B | $6.73B | $4.33B | $757.7M | $-131.9M | -6.85% | 0.45% | 0.18% |
| Q4 2025 | $7.68B | $6.57B | $4.61B | $893.5M | $-169.8M | -2.43% | 3.54% | 0.24% |
| Q3 2025 | $7.51B | $6.31B | $4.44B | $945.2M | $-117.5M | -2.30% | 3.55% | 0.36% |
| Q2 2025 | $6.76B | $5.57B | $4.25B | $972.2M | $-89.0M | -2.70% | 3.59% | 0.73% |
| Q1 2025 | $6.66B | $5.42B | $4.02B | $1.02B | $-37.9M | -2.33% | 3.55% | 0.99% |
| Q4 2024 | $6.34B | $5.05B | $3.91B | $1.06B | $-169.5M | -3.08% | 3.73% | 1.07% |
| Q3 2024 | $5.67B | $4.73B | $3.82B | $691.1M | $-142.7M | -3.59% | 3.80% | 1.15% |
Loan mix (Q2 2026): real estate $1.34B · commercial $1.30B · consumer $209K · securities $717.8M
| Ratio | SMBC MANUBANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.56% | 1.26% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -32.5% | 12.2% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.94% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 16.5% | 59.0% | 1th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | SMBC MANUBANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | SMBC MANUBANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | SMBC MANUBANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | SMBC MANUBANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.