SMBC Manubank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Efficiency ratio dropped 634.93 percentage points in Q2 2026, from 485.38% to -149.55%. It was the largest change from Q1 2026 among the key lines here. SMBC Manubank ranks 99th of 114 California banks on return on assets, in the lower half at 0.08% (Q2 2026). Against a median of 1.27% for banks in the $1B-10B asset tier, SMBC Manubank reported 0.08% on return on assets in Q2 2026, 1.20 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.92% |
| Tier 1 risk-based capital ratio | 23.92% |
| Total risk-based capital ratio | 24.05% |
| Tier 1 leverage ratio | 9.63% |
| Equity capital to assets | 11.46% |
| Tangible equity to tangible assets | 11.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.30% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.82% |
| Allowance for credit losses to loans | 0.00% |
| Reserve coverage of non-performing loans | 0.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.08% |
| Return on equity | 0.77% |
| Net interest margin | 1.35% |
| Efficiency ratio | -149.55% |
| Yield on earning assets | 0.81% |
| Cost of funds | -0.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 48.23% |
| Core deposits to total deposits | 97.09% |
| Brokered deposits to total deposits | 1.46% |
| Deposits to assets | 84.35% |
| Securities to assets | 10.88% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.05% | 19.05% | 20.30% | 16.07% | -1.54% |
| Q4 2023 | 22.14% | 22.14% | 23.40% | 14.99% | -2.38% |
| Q1 2024 | 19.88% | 19.88% | 21.16% | 14.13% | -2.78% |
| Q2 2024 | 17.00% | 17.00% | 18.28% | 13.66% | -3.44% |
| Q3 2024 | 14.81% | 14.81% | 16.10% | 11.93% | -4.11% |
| Q4 2024 | 22.34% | 22.34% | 23.63% | 17.76% | -1.82% |
| Q1 2025 | 21.09% | 21.09% | 22.38% | 15.45% | -2.31% |
| Q2 2025 | 19.22% | 19.22% | 20.51% | 13.66% | -2.90% |
| Q3 2025 | 18.28% | 18.28% | 19.57% | 13.13% | -1.64% |
| Q4 2025 | 17.27% | 17.27% | 18.45% | 11.78% | -2.79% |
| Q1 2026 | 15.42% | 15.42% | 15.51% | 9.64% | -6.84% |
| Q2 2026 | 23.92% | 23.92% | 24.05% | 9.63% | 0.08% |
SMBC Manubank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock SMBC Manubank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full SMBC Manubank profile, peer group comparison, or how this data updates.
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