Sumitomo Mitsui Trust Bank (U.S.A.) Limited
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Data as of · sourced from FFIEC call reports. How we update
Sumitomo Mitsui Trust Bank (U.S.A.) Limited is an FDIC-insured commercial bank headquartered in Hoboken, NJ, established in 1987 (FDIC certificate 27054), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.92B, down 2.7% from Q2 2025, the 11th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 45.25% 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
- 27054
- Headquarters
- Hoboken, NJ
- Established
- 1987
- Total assets, Q2 2026
- $3.92B
- Assets vs Q2 2025
- -2.7%
- CET1 ratio, Q2 2026
- 45.25%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 026011167
- Latest call report
- Q2 2026, FFIEC 051 · Sumitomo Mitsui Trust Bank (U.S.A.) Limited call report
- Holding company
- SUMITOMO MITSUI TRUST BANK, LIMITED
- Asset rank in state
- 11th of 49 in New Jersey
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%. The figures come from its call report filed with the FFIEC.
Sumitomo Mitsui Trust Bank (U.S.A.) Limited ranks as the 11th largest of the 49 banks based in New Jersey, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.9% to $3.92B, loans fell 99.4% and deposits rose 2.9%. The largest part of its loan book on June 30, 2026 was all other loans, at 100.0% of total loans. Its one office in the FDIC Summary of Deposits is in Hoboken, NJ. Judged on its Q2 2026 call report, Sumitomo Mitsui Trust Bank (U.S.A.) Limited meets every capital ratio test for well capitalized.
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
- Domestic offices
- 1 FDIC institution directory, current count
- 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
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, Sumitomo Mitsui Trust Bank (U.S.A.) Limited's total assets ranged from $2.84B (Q3 2023) to $4.35B (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.92B total assets against $4.03B; $3.37B total liabilities against $3.52B.
$437K net loans and leases against $559K; $3.32B total deposits against $3.47B.
$0 securities against $0; $3.80B cash and balances due against $3.95B.
$35.7M total interest income against $38.6M; $13.1M total interest expense against $16.2M.
$22.7M net interest income against $22.4M.
$26.8M total noninterest income against $24.0M; $25.5M total noninterest expense against $23.7M.
No provision recorded in the last 12 quarters.
$18.9M net income against $17.9M.
1.76% return on assets against 1.85%; 2.16% net interest margin against 2.48%.
45.25% CET1 capital ratio against 36.74%; 12.72% tier 1 leverage ratio against 13.18%.
Inside the full Sumitomo Mitsui Trust Bank (U.S.A.) Limited 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).
Sumitomo Mitsui Trust Bank (U.S.A.) Limited rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.76% (Q2 2026) to 2.21% (Q3 2024) and its net interest margin ran from 2.16% (Q2 2026) to 2.84% (Q3 2024).
| 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
View the branch → 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 |
|---|---|---|---|
| Sumitomo Mitsui Trust Bank (U.S.A.) Limited (main office) | Hoboken , NJ | 07030 | $3.32B |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in NJ, rank 20 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 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.
Where is Sumitomo Mitsui Trust Bank (U.S.A.) Limited headquartered?
It is headquartered in Hoboken, NJ, United States.
When was Sumitomo Mitsui Trust Bank (U.S.A.) Limited founded?
It was established in 1987, per the FDIC institution directory.
Is Sumitomo Mitsui Trust Bank (U.S.A.) Limited FDIC-insured?
Yes. It 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.
What is Sumitomo Mitsui Trust Bank (U.S.A.) Limited's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.00% 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.
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