Sumitomo Mitsui Trust Bank (U.S.A.) Limited: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Noninterest-bearing share of deposits climbed 2.97 percentage points in Q2 2026, from 25.76% to 28.74%. It was the largest change from Q1 2026 among the key lines here. Within New Jersey, Sumitomo Mitsui Trust Bank (U.S.A.) Limited is 10th of 49 on total deposits, $3.32B as of Q2 2026, above the middle of the field. Against a median of $1.67B for banks in the $1B-10B asset tier, Sumitomo Mitsui Trust Bank (U.S.A.) Limited reported $3.32B on total deposits in Q2 2026, 99% higher.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $3.32B |
| Domestic office deposits | $3.32B |
| Foreign office deposits | — |
| Deposits to total assets | 84.80% |
| Deposits to total liabilities | 98.54% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $3.32B |
| Savings deposits | $0 |
| Transaction accounts to domestic deposits | 100.00% |
| Time deposits | $0 |
| Time deposits under $100k | $0 |
| Time deposits $100k to $250k | $0 |
| Time deposits over $250k | $0 |
| Noninterest-bearing share of deposits | 28.74% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $3.32B |
| Core deposits to total deposits | 100.00% |
| Insured deposits | $256.1M |
| Uninsured deposits | $3.07B |
| Uninsured deposits to total deposits | 92.29% |
| Brokered deposits | $0 |
| Brokered deposits to total deposits | 0.00% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 2.20% |
| Interest expense on deposits | $13.1M |
| Loans and leases to core deposits | 0.01% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q3 2023 | $2.36B | 100.00% | 90.01% | 0.00% | 3.10% |
| Q4 2023 | $2.71B | 100.00% | 91.23% | 0.00% | 3.78% |
| Q1 2024 | $2.95B | 100.00% | 92.07% | 0.00% | 3.44% |
| Q2 2024 | $2.97B | 100.00% | 91.51% | 0.00% | 3.63% |
| Q3 2024 | $3.33B | 100.00% | 92.52% | 0.00% | 3.80% |
| Q4 2024 | $2.52B | 100.00% | 90.51% | 0.00% | 3.03% |
| Q1 2025 | $3.29B | 100.00% | 92.43% | 0.00% | 2.84% |
| Q2 2025 | $3.47B | 100.00% | 92.43% | 0.00% | 2.77% |
| Q3 2025 | $3.77B | 100.00% | 93.44% | 0.00% | 2.76% |
| Q4 2025 | $3.17B | 100.00% | 92.40% | 0.00% | 2.26% |
| Q1 2026 | $3.23B | 100.00% | 92.30% | 0.00% | 2.01% |
| Q2 2026 | $3.32B | 100.00% | 92.29% | 0.00% | 2.20% |
Sumitomo Mitsui Trust Bank (U.S.A.) Limited deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock Sumitomo Mitsui Trust Bank (U.S.A.) Limited, freeSource: Call Report Schedules RC-E and RC-O, 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 Sumitomo Mitsui Trust Bank (U.S.A.) Limited profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27054) · FFIEC NIC profile (RSSD 925411)