SMBC Manubank
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Data as of · sourced from FFIEC call reports. How we update
SMBC Manubank is an FDIC-insured commercial bank headquartered in Los Angeles, CA, established in 1962 (FDIC certificate 18618), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $6.60B, down 2.4% from Q2 2025, the 16th largest of 113 banks headquartered in California. Its CET1 capital ratio was 23.92% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18618
- Headquarters
- Los Angeles, CA
- Established
- 1962
- Total assets, Q2 2026
- $6.60B
- Assets vs Q2 2025
- -2.4%
- CET1 ratio, Q2 2026
- 23.92%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 122226076
- Holding company
- SMBC AMERICAS HOLDINGS, INC.
- Asset rank in state
- 16th of 113 in California
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 0.30% and a Texas ratio of 0.82%. The figures come from its call report filed with the FFIEC.
SMBC Manubank ranks as the 16th largest of the 113 banks based in California, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 14.6% to $6.60B, loans fell 38.0% and deposits fell 17.3%. Commercial and industrial loans made up 48.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 22.6%. The FDIC Summary of Deposits lists 8 offices for it, in 6 cities in CA; its Los Angeles 3 offices book 78% of its branch deposits. Judged on its Q2 2026 call report, SMBC Manubank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 8 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, SMBC Manubank's total assets ranged from $4.74B (Q3 2023) to $7.73B (Q1 2026), and it earned a profit in 1 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.60B total assets against $6.76B; $5.84B total liabilities against $5.79B.
$2.68B net loans and leases against $4.25B; $5.56B total deposits against $5.57B.
$717.8M securities against $1.52B; $2.93B cash and balances due against $710.6M.
$14.7M total interest income against $108.9M; -$9.8M total interest expense against $51.5M.
$24.4M net interest income against $57.4M.
$12.4M total noninterest income against $4.9M; -$58.0M total noninterest expense against $96.7M.
$0 provision for credit losses against $38.4M.
$1.5M net income against -$51.1M.
0.08% return on assets against -2.90%; 1.35% net interest margin against 3.28%.
23.92% CET1 capital ratio against 19.22%; 9.63% tier 1 leverage ratio against 13.66%.
Inside the full SMBC Manubank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 11 of 980, for uninsured deposits; its furthest is 3,483 of 3,611, for ROA.
Metric pages for SMBC Manubank: CET1 ratio, Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -6.84% (Q1 2026) to 0.08% (Q2 2026) and its net interest margin ran from 0.45% (Q1 2026) to 3.59% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.92% | 0.08% | 0.30% | 0.82% | 1.35% |
| Q1 2026 | 15.42% | -6.84% | 0.33% | 1.62% | 0.45% |
| Q4 2025 | 17.27% | -2.79% | 0.40% | 1.82% | 3.42% |
| Q3 2025 | 18.28% | -1.64% | 0.59% | 2.23% | 3.46% |
| Q2 2025 | 19.22% | -2.90% | 1.11% | 4.06% | 3.28% |
| Q1 2025 | 21.09% | -2.31% | 1.56% | 5.39% | 3.38% |
| Q4 2024 | 22.34% | -1.82% | 1.65% | 5.44% | 3.51% |
| Q3 2024 | 14.81% | -4.11% | 1.62% | 7.43% | 3.59% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| July 1, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in CA, rank 30 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is SMBC Manubank headquartered?
It is headquartered in Los Angeles, CA, United States.
When was SMBC Manubank founded?
It was established in 1962, per the FDIC institution directory.
Is SMBC Manubank FDIC-insured?
Yes. It 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.
What is SMBC Manubank's CET1 capital ratio?
It 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?
It operates 8 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?
Its Texas Ratio is 0.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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