Sumitomo Mitsui Trust Bank (U.S.A.) Limited
Sumitomo Mitsui Trust Bank (U.S.A.) Limited reported total assets of $3.9 bn at Q2 2026, down 2.7% on a year earlier, the 335th largest of 497 banks in our US coverage. The CET1 capital ratio at Sumitomo Mitsui Trust Bank (U.S.A.) Limited was 45.25%. Sumitomo Mitsui Trust Bank (U.S.A.) Limited held deposits of $3.3 bn. Source: FDIC Call Reports.
Key takeaways
- Sumitomo Mitsui Trust Bank (U.S.A.) Limited reports one of the lowest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 0.00% at , where the median of the 339 banks is 0.58% (FDIC Call Reports).
- The loan-to-deposit ratio of Sumitomo Mitsui Trust Bank (U.S.A.) Limited, 0.01% at , places Sumitomo Mitsui Trust Bank (U.S.A.) Limited in the bottom tenth of banks of $1 bn to $10 bn (group median 88.61%; FDIC Call Reports).
- Few banks of $1 bn to $10 bn report a higher uninsured share of domestic deposits than Sumitomo Mitsui Trust Bank (U.S.A.) Limited, at 92.29% in against a group median of 32.61% (FDIC Call Reports).
What sets Sumitomo Mitsui Trust Bank (U.S.A.) Limited apart
- Sumitomo Mitsui Trust Bank (U.S.A.) Limited has one of the highest common equity tier 1 (CET1) ratio readings among banks of $1 bn to $10 bn: 45.25% at , against a median of 13.22% across 287 banks.
- The net interest margin of Sumitomo Mitsui Trust Bank (U.S.A.) Limited, 2.38% at , places Sumitomo Mitsui Trust Bank (U.S.A.) Limited in the bottom tenth of banks of $1 bn to $10 bn (group median 3.66%).
- On return on equity (ROE), Sumitomo Mitsui Trust Bank (U.S.A.) Limited slipped from 129th to 180th among 500 US banks between and (1 = highest).
How large is Sumitomo Mitsui Trust Bank (U.S.A.) Limited?
The balance sheet of Sumitomo Mitsui Trust Bank (U.S.A.) Limited at : assets $3.9 bn, deposits $3.3 bn, net loans $437,000 (loans equal to 0.01% of deposits). Since , when Sumitomo Mitsui Trust Bank (U.S.A.) Limited held $2.6 bn, its assets grew 52.0%. In the year to , deposits at Sumitomo Mitsui Trust Bank (U.S.A.) Limited fell 4.2% while its total assets fell 2.7%. At , Sumitomo Mitsui Trust Bank (U.S.A.) Limited employed 259 full-time equivalent staff across 1 office, about $15.1 mn of assets per employee and $3.3 bn of deposits per office.
How much funding at Sumitomo Mitsui Trust Bank (U.S.A.) Limited is uninsured?
At Sumitomo Mitsui Trust Bank (U.S.A.) Limited, uninsured deposits (above the FDIC limit) made up 92.29% of domestic deposits at (-0.14 pp on a year earlier); Sumitomo Mitsui Trust Bank (U.S.A.) Limited ranks 5th of 500 on this measure. In dollars, Sumitomo Mitsui Trust Bank (U.S.A.) Limited estimated $3.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.3 bn | -4.2% | 335th of 499 |
| Net loans and leases | $437,000 | -21.8% | 498th of 500 |
| Loan-to-deposit ratio | 0.01% | 0.00 pp | 497th of 500 |
| Tier 1 leverage ratio | 12.72% | -0.46 pp | 66th of 500 |
| Total risk-based capital ratio | 45.25% | +8.51 pp | 9th of 448 |
| Net interest margin | 2.38% | -0.18 pp | 466th of 500 |
| Return on assets (ROA) | 1.93% | -0.01 pp | 61st of 500 |
| Efficiency ratio | 51.66% | +0.35 pp | 164th of 500 (1 = lowest) |
| Noncurrent loans to total loans | 0.00% | 0.00 pp | 1st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | 0.00 pp | 50th of 500 (1 = lowest) |
US rank of Sumitomo Mitsui Trust Bank (U.S.A.) Limited: 1 = highest unless marked 1 = lowest.
Balance sheet
Sumitomo Mitsui Trust Bank (U.S.A.) Limited: assets, deposits and loans
- Total assets $3.9bn
- Deposits $3.3bn
- Net loans $437,000
Capital and securities
The CET1 ratio of Sumitomo Mitsui Trust Bank (U.S.A.) Limited stood at 45.25% in , +8.51 pp year on year. Low and high at Sumitomo Mitsui Trust Bank (U.S.A.) Limited since : 18.23% () to 45.25% (). Equity capital of Sumitomo Mitsui Trust Bank (U.S.A.) Limited at : $546.6 mn, or 13.9% of total assets. Sumitomo Mitsui Trust Bank (U.S.A.) Limited also reported a total capital ratio of 45.25% for , and a tier 1 leverage ratio of 12.72%.
Sumitomo Mitsui Trust Bank (U.S.A.) Limited: capital ratios
- Total capital 45%
- CET1 45%
- Tier 1 leverage 13%
Sumitomo Mitsui Trust Bank (U.S.A.) Limited: unrealized securities gains and losses
- Available for sale $0
- Held to maturity $0
Profitability and loan quality
For the year to , Sumitomo Mitsui Trust Bank (U.S.A.) Limited earned a return on equity of 13.68%; return on assets: 1.93%. Net interest margin at Sumitomo Mitsui Trust Bank (U.S.A.) Limited: 2.38%, -0.18 pp in a year. Sumitomo Mitsui Trust Bank (U.S.A.) Limited net income: $37.0 mn, up 4.8% year on year. The efficiency ratio of Sumitomo Mitsui Trust Bank (U.S.A.) Limited was 51.66%: about 52 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 0.00% of total loans at Sumitomo Mitsui Trust Bank (U.S.A.) Limited; net charge-offs: 0.00% of average loans. Gross loans and leases at Sumitomo Mitsui Trust Bank (U.S.A.) Limited: $437,000, down 21.8% in a year.
Sumitomo Mitsui Trust Bank (U.S.A.) Limited: profitability
- Return on equity 14%
- Net interest margin 2.4%
- Return on assets 1.9%
Peer group of Sumitomo Mitsui Trust Bank (U.S.A.) Limited
The peer group of Sumitomo Mitsui Trust Bank (U.S.A.) Limited is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 5 share the charter type of Sumitomo Mitsui Trust Bank (U.S.A.) Limited (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in New Jersey. Against them, Sumitomo Mitsui Trust Bank (U.S.A.) Limited shows CET1 ratio 45.25% against a peer median of 14.95%, return on equity 13.68% against a peer median of 13.09% and uninsured deposit share 92.29% against a peer median of 35.30%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Central Bank & Trust Co. | State nonmember bank | KY | $4.0 bn | 15.12% | 10.25% | 35.13% | |
| RCB Bank | State member bank | OK | $4.0 bn | 16.30% | 12.68% | 21.91% | |
| Commercial Bank of California | State nonmember bank | CA | $4.0 bn | 11.78% | 14.75% | 61.85% | |
| Sumitomo Mitsui Trust Bank (U.S.A.) Limited | State nonmember bank | NJ | $3.9 bn | 45.25% | 13.68% | 92.29% | |
| First Guaranty Bank | State nonmember bank | LA | $3.9 bn | 14.95% | 5.85% | 25.29% | |
| Carrollton Bank | State nonmember bank | IL | $3.9 bn | 9.93% | 13.81% | 53.18% | |
| Security Bank of Kansas City | State nonmember bank | KS | $3.9 bn | not reported | 13.50% | 35.48% | |
. FDIC Call Reports.
Last eight quarters
Two years at Sumitomo Mitsui Trust Bank (U.S.A.) Limited, to : assets +1.1%, deposits -0.2%, equity +10.8%. Staff 246 to 259.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.9 bn | $3.1 bn | $3.8 bn | $4.0 bn | $4.4 bn | $3.8 bn | $3.8 bn | $3.9 bn |
| Total deposits | $3.3 bn | $2.5 bn | $3.3 bn | $3.5 bn | $3.8 bn | $3.2 bn | $3.2 bn | $3.3 bn |
| Bank equity capital | $493.5 mn | $510.0 mn | $493.7 mn | $511.6 mn | $532.3 mn | $550.3 mn | $527.7 mn | $546.6 mn |
| CET1 ratio | 38.03% | 45.08% | 35.49% | 36.74% | 36.64% | 41.04% | 37.46% | 45.25% |
| Return on equity (ROE) | 16.65% | 15.73% | 13.89% | 14.00% | 14.60% | 14.25% | 13.44% | 13.68% |
| Uninsured share of domestic deposits | 92.52% | 90.51% | 92.43% | 92.43% | 93.44% | 92.40% | 92.30% | 92.29% |
| Full-time equivalent employees | 246 | 248 | 250 | 255 | 253 | 256 | 256 | 259 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Sumitomo Mitsui Trust Bank (U.S.A.) Limited
- Total assets at Sumitomo Mitsui Trust Bank (U.S.A.) Limited changed by +30.8% in the quarter to 2018-03-31, with no FDIC structure event in that quarter.
- Total assets at Sumitomo Mitsui Trust Bank (U.S.A.) Limited changed by +26.3% in the quarter to 2019-03-31, with no FDIC structure event in that quarter.
- Total assets at Sumitomo Mitsui Trust Bank (U.S.A.) Limited changed by +75.8% in the quarter to 2020-03-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Sumitomo Mitsui Trust Bank (U.S.A.) Limited?
Sumitomo Mitsui Trust Bank (U.S.A.) Limited reported $3.9 bn at in its Call Report. That makes Sumitomo Mitsui Trust Bank (U.S.A.) Limited the 335th largest of 497 banks in our US coverage.
Is Sumitomo Mitsui Trust Bank (U.S.A.) Limited the same as its holding company?
No. This page covers Sumitomo Mitsui Trust Bank (U.S.A.) Limited, FDIC certificate 27054; SUMITOMO MITSUI TR GROUP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Sumitomo Mitsui Trust Bank (U.S.A.) Limited profitable?
Sumitomo Mitsui Trust Bank (U.S.A.) Limited reported net income of $37.0 mn for the year to ; annualized return on equity: 13.68%. So yes: Sumitomo Mitsui Trust Bank (U.S.A.) Limited made a profit over these months.
When is data for Sumitomo Mitsui Trust Bank (U.S.A.) Limited next updated?
Figures from Sumitomo Mitsui Trust Bank (U.S.A.) Limited for are due after .
Where can I check the figures for Sumitomo Mitsui Trust Bank (U.S.A.) Limited?
In the FDIC BankFind Suite record for certificate 27054, and in the Call Reports of Sumitomo Mitsui Trust Bank (U.S.A.) Limited (RSSD ID 925411) at the FFIEC Central Data Repository.