SMBC Manubank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
SMBC Manubank spends more to run itself than most banks of its size. Its balance sheet stood at $6.6 billion at June 30, 2026, down 2.4% from a year earlier; it is based in Los Angeles, California. It earns about $0.08 a year on every $100 of assets, a small fraction of the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 1.35 cents of net interest income on every dollar of earning assets, about a third the median of 3.71 cents for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.23% of loans from 1.08%. The balance sheet shrank over the year: over the year loans fell 40.2% and deposits fell 0.1%. Funding is the softer spot: it holds about three-quarters of its deposits (79%) above the FDIC insurance limit, 2.6 times the median of 30.9% for banks its size.
As of June 30, 2026, SMBC Manubank reported a CET1 capital ratio of 23.92%, a return on assets of 0.08%, a nonperforming-loan ratio of 1.30% and a Texas ratio of 0.82%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 515 South Figueroa Street, Ground Floor, Los Angeles, CA 90071
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- October 29, 1962
- Former names
- Manufacturers Bank (2014-2023); Mitsui Manufacturers Bank (1981-1992)
- Offices
- 7 domestic
- Employees (FTE)
- 695
- Domestic deposits
- $5.56B
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $66.7M
- Average total assets
- $7.57B
- Average total loans
- $3.90B
- Average interest-bearing deposits
- $5.60B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 29, 1962
- FDIC Cert
- 18618
- Fed RSSD
- 930965
- SEC CIK
- 1022837 → filed by SUMITOMO MITSUI FINANCIAL GROUP, INC.
- Website
- www.smbcmanubank.com →
- Parent Holding Company
- SMBC AMERICAS HOLDINGS, INC. (RSSD 2170804)
- Ultimate Parent
- SUMITOMO MITSUI FINANCIAL GROUP, INC. (RSSD 3133262)
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.
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.
What the bank charged to earnings that quarter to build its allowance for expected losses.
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.
Inside the full SMBC Manubank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock SMBC Manubank, 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).
SMBC Manubank 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.
Metric pages for SMBC Manubank: CET1 ratio, Uninsured deposits.
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 | 23.92% | 0.08% | 1.30% | 0.82% | 1.35% |
| Q1 2026 | 15.42% | -6.84% | 1.45% | 1.62% | 0.45% |
| Q4 2025 | 17.27% | -2.79% | 1.72% | 1.82% | 3.42% |
| Q3 2025 | 18.28% | -1.64% | 1.40% | 2.23% | 3.46% |
| Q2 2025 | 19.22% | -2.90% | 1.91% | 4.06% | 3.28% |
| Q1 2025 | 21.09% | -2.31% | 1.73% | 5.39% | 3.38% |
| Q4 2024 | 22.34% | -1.82% | 1.72% | 5.44% | 3.51% |
| Q3 2024 | 14.81% | -4.11% | 1.55% | 7.43% | 3.59% |
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 all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| SMBC Manubank (main office) | Los Angeles , CA | 90071 | $3.94B |
| Orange County Branch | Newport Beach , CA | 92660 | $406.6M |
| Torrance Branch | Torrance , CA | 90502 | $370.3M |
| Encino Branch | Los Angeles , CA | 91436 | $273.5M |
| Brea Branch | Brea , CA | 92821 | $186.6M |
| Warner Center Branch | Los Angeles , CA | 91367 | $141.5M |
| Beverly Hills Branch | Beverly Hills , CA | 90212 | $137.9M |
| Glendale Branch | Glendale , CA | 91203 | $109.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 31, 1998 | Structure Change | Acquired Casc Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1981 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| December 31, 1973 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1973 | Structure Change | Acquired Lincoln Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 3, 1965 | Structure Change | Acquired Guardian Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for SMBC Manubank, 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
- 0.3% of deposits in CA, rank 30 of 171 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
- 4 loans, $5.7M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). 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 SMBC Manubank
What are SMBC Manubank's total assets?
As of the Q2 2026 filing, SMBC Manubank reported total assets of $6.60 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is SMBC Manubank headquartered?
SMBC Manubank is headquartered in Los Angeles, CA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was SMBC Manubank founded?
SMBC Manubank was established in 1962, per the FDIC institution directory.
Is SMBC Manubank FDIC-insured?
Yes. SMBC Manubank is an FDIC-insured commercial bank (FDIC Certificate #18618). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates SMBC Manubank?
SMBC Manubank'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 SMBC Manubank's CET1 capital ratio?
SMBC Manubank reported a Common Equity Tier 1 (CET1) capital ratio of 23.92% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does SMBC Manubank operate?
SMBC Manubank operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is SMBC Manubank's Texas Ratio?
SMBC Manubank's Texas Ratio is 0.82% 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.
What was SMBC Manubank previously called?
The charter now named SMBC Manubank has also operated as Manufacturers Bank (2014-2023), Mitsui Manufacturers Bank (1981-1992), per FDIC structure-change records.
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