Sumitomo Mitsui Trust Bank (U.S.A.) Limited: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Sumitomo Mitsui Trust Bank (U.S.A.) Limited, based in Hoboken, New Jersey, reported $3.9 billion in assets at June 30, 2026, down 2.7% from a year earlier. It keeps 2.16 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it holds common equity equal to 45.25% of its risk-weighted assets, about triple the median of 13.52% for banks its size.
The balance sheet shrank over the year: over the year loans fell 21.8% and deposits fell 4.2%. Funding is the softer spot: it holds most of its deposits (92%) above the FDIC insurance limit, about triple the median of 30.9% for banks its size.
As of June 30, 2026, Sumitomo Mitsui Trust Bank (U.S.A.) Limited reported a CET1 capital ratio of 45.25%, a return on assets of 1.76%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 111 River St, Hoboken, NJ 07030
- County
- Hudson
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 21, 1987
- Offices
- 1 domestic
- Employees (FTE)
- 259
- Domestic deposits
- $3.32B
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $4.30B
- Average total loans
- $5.0M
- Average interest-bearing deposits
- $2.62B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 21, 1987
- FDIC Cert
- 27054
- Fed RSSD
- 925411
- Parent Holding Company
- SUMITOMO MITSUI TRUST BANK, LIMITED (RSSD 1242777)
- Ultimate Parent
- SUMITOMO MITSUI TRUST GROUP, INC. (RSSD 4224297)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock Sumitomo Mitsui Trust Bank (U.S.A.) Limited, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Sumitomo Mitsui Trust Bank (U.S.A.) Limited rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 45.25% | 1.76% | 0.00% | 0.00% | 2.16% |
| Q1 2026 | 37.46% | 1.80% | 0.00% | 0.00% | 2.20% |
| Q4 2025 | 41.04% | 1.89% | 0.00% | 0.00% | 2.31% |
| Q3 2025 | 36.64% | 2.05% | 0.00% | 0.00% | 2.47% |
| Q2 2025 | 36.74% | 1.85% | 0.00% | 0.00% | 2.48% |
| Q1 2025 | 35.49% | 1.86% | 0.00% | 0.00% | 2.49% |
| Q4 2024 | 45.08% | 1.96% | 0.00% | 0.00% | 2.53% |
| Q3 2024 | 38.03% | 2.21% | 0.00% | 0.00% | 2.84% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sumitomo Mitsui Trust Bank (U.S.A.) Limited (main office) | Hoboken , NJ | 07030 | $3.32B |
Regulatory record
What the public regulatory sources show for Sumitomo Mitsui Trust Bank (U.S.A.) Limited, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in NJ, rank 20 of 104 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Sumitomo Mitsui Trust Bank (U.S.A.) Limited
What are Sumitomo Mitsui Trust Bank (U.S.A.) Limited's total assets?
As of the Q2 2026 filing, Sumitomo Mitsui Trust Bank (U.S.A.) Limited reported total assets of $3.92 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Sumitomo Mitsui Trust Bank (U.S.A.) Limited headquartered?
Sumitomo Mitsui Trust Bank (U.S.A.) Limited is headquartered in Hoboken, NJ, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Sumitomo Mitsui Trust Bank (U.S.A.) Limited founded?
Sumitomo Mitsui Trust Bank (U.S.A.) Limited was established in 1987, per the FDIC institution directory.
Is Sumitomo Mitsui Trust Bank (U.S.A.) Limited FDIC-insured?
Yes. Sumitomo Mitsui Trust Bank (U.S.A.) Limited is an FDIC-insured commercial bank (FDIC Certificate #27054). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sumitomo Mitsui Trust Bank (U.S.A.) Limited?
Sumitomo Mitsui Trust Bank (U.S.A.) Limited's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Sumitomo Mitsui Trust Bank (U.S.A.) Limited's CET1 capital ratio?
Sumitomo Mitsui Trust Bank (U.S.A.) Limited reported a Common Equity Tier 1 (CET1) capital ratio of 45.25% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Sumitomo Mitsui Trust Bank (U.S.A.) Limited operate?
Sumitomo Mitsui Trust Bank (U.S.A.) Limited operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sumitomo Mitsui Trust Bank (U.S.A.) Limited's Texas Ratio?
Sumitomo Mitsui Trust Bank (U.S.A.) Limited's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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