SMBC MANUBANK
SMBC MANUBANK reported total assets of $6.6 bn at Q2 2026, down 2.4% on a year earlier, the 231st largest of 497 banks in our US coverage. The CET1 capital ratio at SMBC MANUBANK was 23.92%, and the uninsured share of SMBC MANUBANK was 79.00%. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, SMBC MANUBANK climbed from 528th to 5th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- SMBC MANUBANK reports one of the lowest return on equity (ROE) readings among banks of $1 bn to $10 bn: -32.51% at , where the median of the 339 banks is 12.68% (FDIC Call Reports).
- The return on assets (ROA) of SMBC MANUBANK, -3.56% at , places SMBC MANUBANK in the bottom tenth of banks of $1 bn to $10 bn (group median 1.32%; FDIC Call Reports).
What sets SMBC MANUBANK apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower efficiency ratio than SMBC MANUBANK, at 16.50% in ; the group median is 56.87%.
- SMBC MANUBANK reports one of the lowest net interest margin readings among banks of $1 bn to $10 bn: 0.94% at , where the median of the 339 banks is 3.66%.
- At 3.42%, the net charge-offs to average loans of SMBC MANUBANK sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 0.06%.
How large is SMBC MANUBANK?
The balance sheet of SMBC MANUBANK at : assets $6.6 bn, deposits $5.6 bn, net loans $2.7 bn (loans equal to 48.23% of deposits). Securities make up 10.9% of total assets at SMBC MANUBANK. Since , when SMBC MANUBANK held $2.6 bn, its assets grew 155.8%. In the year to , deposits at SMBC MANUBANK fell 0.1% while its total assets fell 2.4%. At , SMBC MANUBANK employed 695 full-time equivalent staff across 8 offices, about $9.5 mn of assets per employee and $695.6 mn of deposits per office.
How much funding at SMBC MANUBANK is uninsured?
At SMBC MANUBANK, uninsured deposits (above the FDIC limit) made up 79.00% of domestic deposits at (+43.65 pp on a year earlier); SMBC MANUBANK ranks 11th of 500 on this measure. In dollars, SMBC MANUBANK estimated $4.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.6 bn | -0.1% | 225th of 499 |
| Net loans and leases | $2.7 bn | -36.9% | 345th of 500 |
| Loan-to-deposit ratio | 48.23% | -28.17 pp | 475th of 500 |
| Tier 1 leverage ratio | 9.63% | -4.03 pp | 358th of 500 |
| Total risk-based capital ratio | 24.05% | +3.54 pp | 23rd of 448 |
| Net interest margin | 0.94% | -2.65 pp | 497th of 500 |
| Return on assets (ROA) | -3.56% | -0.86 pp | 500th of 500 |
| Efficiency ratio | 16.50% | -138.31 pp | 5th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $3.8 mn | Turned from a gain into a loss | |
| Noncurrent loans to total loans | 0.30% | -0.80 pp | 110th of 500 (1 = lowest) |
| Net charge-offs to average loans | 3.42% | +1.99 pp | 492nd of 500 (1 = lowest) |
US rank of SMBC MANUBANK: 1 = highest unless marked 1 = lowest.
Balance sheet
SMBC MANUBANK: assets, deposits and loans
- Total assets $6.6bn
- Deposits $5.6bn
- Net loans $2.7bn
Capital and securities
The CET1 ratio of SMBC MANUBANK stood at 23.92% in , +4.70 pp year on year. Low and high at SMBC MANUBANK since : 11.71% () to 23.92% (). Equity capital of SMBC MANUBANK at : $756.2 mn, or 11.5% of total assets. SMBC MANUBANK also reported a total capital ratio of 24.05% for , and a tier 1 leverage ratio of 9.63%.
The available-for-sale portfolio of SMBC MANUBANK showed an unrealized loss of $3.8 mn at ; the loss turned from a gain into a loss over the year.
SMBC MANUBANK: capital ratios
- Total capital 24%
- CET1 24%
- Tier 1 leverage 9.6%
SMBC MANUBANK: unrealized securities gains and losses
- Available for sale -$4mn
- Held to maturity $0
Profitability and loan quality
For the year to , SMBC MANUBANK earned a return on equity of -32.51%; return on assets: -3.56%. Net interest margin at SMBC MANUBANK: 0.94%, -2.65 pp in a year. SMBC MANUBANK net income: -$130.4 mn, up 46.6% year on year. The efficiency ratio of SMBC MANUBANK was 16.50%: about 16 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 0.30% of total loans at SMBC MANUBANK; net charge-offs: 3.42% of average loans. Gross loans and leases at SMBC MANUBANK: $2.7 bn, down 40.2% in a year.
SMBC MANUBANK: profitability
- Return on equity -33%
- Net interest margin 0.9%
- Return on assets -3.6%
Peer group of SMBC MANUBANK
The peer group of SMBC MANUBANK is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of SMBC MANUBANK (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, SMBC MANUBANK shows CET1 ratio 23.92% against a peer median of 13.32%, return on equity -32.51% against a peer median of 12.39% and uninsured deposit share 79.00% against a peer median of 26.64%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Alpine Bank | State nonmember bank | CO | $6.7 bn | 15.21% | 12.34% | 38.46% | |
| Midland States Bank | State member bank | IL | $6.7 bn | 13.59% | 13.18% | 22.73% | |
| First Bank | State member bank | MO | $6.7 bn | 13.06% | 8.03% | 29.61% | |
| SMBC MANUBANK | State nonmember bank | CA | $6.6 bn | 23.92% | -32.51% | 79.00% | |
| The Washington Trust Company, of Westerly | State nonmember bank | RI | $6.6 bn | 12.22% | 10.44% | 27.07% | |
| Horizon Bank | State nonmember bank | IN | $6.5 bn | 12.60% | 14.53% | 26.21% | |
| TrustCo Bank | Federal savings bank | NY | $6.5 bn | 14.48% | 12.45% | 21.99% | |
. FDIC Call Reports.
Last eight quarters
Two years at SMBC MANUBANK, to : assets +16.4%, deposits +17.5%, equity +9.4%. Staff 894 to 695.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.7 bn | $6.3 bn | $6.7 bn | $6.8 bn | $7.5 bn | $7.7 bn | $7.7 bn | $6.6 bn |
| Total deposits | $4.7 bn | $5.0 bn | $5.4 bn | $5.6 bn | $6.3 bn | $6.6 bn | $6.7 bn | $5.6 bn |
| Bank equity capital | $691.1 mn | $1.1 bn | $1.0 bn | $972.2 mn | $945.2 mn | $893.5 mn | $757.7 mn | $756.2 mn |
| CET1 ratio | 14.81% | 22.34% | 21.09% | 19.22% | 18.28% | 17.27% | 15.42% | 23.92% |
| Return on equity (ROE) | -24.89% | -20.61% | -14.58% | -17.50% | -15.68% | -17.37% | -63.90% | -32.51% |
| Uninsured share of domestic deposits | 39.00% | 39.17% | 35.00% | 35.35% | 42.45% | 42.73% | 44.98% | 79.00% |
| Full-time equivalent employees | 894 | 906 | 941 | 962 | 982 | 989 | 787 | 695 |
| Number of offices | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at SMBC MANUBANK
- Total assets at SMBC MANUBANK changed by +52.8% in the quarter to 2019-03-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of SMBC MANUBANK?
SMBC MANUBANK reported $6.6 bn at in its Call Report. That makes SMBC MANUBANK the 231st largest of 497 banks in our US coverage.
Is SMBC MANUBANK the same as its holding company?
No. This page covers SMBC MANUBANK, FDIC certificate 18618; SUMITOMO MITSUI FINL GROUP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is SMBC MANUBANK profitable?
SMBC MANUBANK reported net income of -$130.4 mn for the year to ; annualized return on equity: -32.51%. So no: SMBC MANUBANK made a loss over these months.
When is data for SMBC MANUBANK next updated?
Figures from SMBC MANUBANK for are due after .
Where can I check the figures for SMBC MANUBANK?
In the FDIC BankFind Suite record for certificate 18618, and in the Call Reports of SMBC MANUBANK (RSSD ID 930965) at the FFIEC Central Data Repository.