Sumitomo Mitsui Trust Bank (U.S.A.) Limited
Total assets
$3.92B
▼ -2.7% YoY
Deposits
$3.32B
▼ -4.2% YoY
Loans
$437K
▼ -21.8% YoY
Offices
1
SUMITOMO MITSUI TR GROUP INC
ROA (annualized)
1.93%
peers 1.26%
ROE (annualized)
13.68%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +5.5% | -8.2 pts |
| Deposit growth (YoY) | -4.2% | +5.1% | -9.2 pts |
| Loan growth (YoY) | -21.8% | +5.9% | -27.7 pts |
| ROA | 1.93% | 1.26% | +0.7 pts |
| ROE | 13.7% | 12.2% | +1.5 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
Profile
- Established
- 1987
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- SUMITOMO MITSUI TR GROUP INC
- Specialization
- All Other Over 1 Billion
- Address
- 111 River St, Hoboken, NJ, 07030
- County
- Hudson
- Metro area
- New York-Newark-Jersey City, NY-NJ-PA
- Offices
- 1
- FDIC cert #
- 27054
- RSSD ID
- 925411
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.92B | $3.32B | $437K | $546.6M | $37.0M | 1.93% | 2.38% | 0.00% |
| Q1 2026 | $3.81B | $3.23B | $67.7M | $527.7M | $18.1M | 1.91% | 2.34% | 0.00% |
| Q4 2025 | $3.77B | $3.17B | $376K | $550.3M | $74.0M | 1.94% | 2.45% | 0.00% |
| Q3 2025 | $4.35B | $3.77B | $1.0M | $532.3M | $56.1M | 1.96% | 2.50% | 0.00% |
| Q2 2025 | $4.03B | $3.47B | $559K | $511.6M | $35.4M | 1.94% | 2.56% | 0.00% |
| Q1 2025 | $3.83B | $3.29B | $51.6M | $493.7M | $17.4M | 2.02% | 2.74% | 0.00% |
| Q4 2024 | $3.08B | $2.52B | $1.4M | $510.0M | $75.0M | 2.20% | 2.90% | 0.00% |
| Q3 2024 | $3.88B | $3.33B | $2.1M | $493.5M | $58.5M | 2.23% | 2.96% | 0.00% |
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.26% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.2% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.38% | 3.70% | 4th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.7% | 59.0% | 27th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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