Sumitomo Mitsui Trust Bank (U.S.A.) Limited: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sumitomo Mitsui Trust Bank (U.S.A.) Limited of Hoboken, NJ against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.76% | 1.43% | +0.33% | 80th top |
| ROAE | 14.10% | 12.50% | +1.60% | 63rd above |
| Net Interest Margin | 2.16% | 3.84% | -1.68% | 2nd bottom |
| Efficiency Ratio | 51.53% | 58.88% | -7.35% | 72nd above |
| PPNR / Avg Assets | 2.23% | 1.78% | +0.45% | 80th top |
| Yield on Earning Assets | 3.40% | 5.72% | -2.32% | 1st bottom |
| Cost of Funds | 1.49% | 2.03% | -0.54% | 81st top |
| Net Interest Spread | 1.20% | 3.18% | -1.98% | 1st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.97% | -0.97% | 98th top |
| NPA / Total Assets | 0.00% | 0.75% | -0.75% | 98th top |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 78th top |
| ACL / Total Loans | 0.00% | 1.25% | -1.25% | 0th bottom |
| Texas Ratio | 0.00% | 7.17% | -7.17% | 99th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 45.25% | 17.37% | +27.88% | 98th top |
| Tier 1 Ratio | 45.25% | 17.40% | +27.85% | 98th top |
| Total Capital Ratio | 45.25% | 18.46% | +26.79% | 98th top |
| Leverage Ratio | 12.72% | 11.59% | +1.13% | 82nd top |
| Equity / Assets | 13.95% | 11.33% | +2.62% | 90th top |
| TCE / Tangible Assets | 13.95% | 10.65% | +3.30% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 0.01% | 86.44% | -86.43% | 100th top |
| Core Deposit Ratio | 100.00% | 85.54% | +14.46% | 100th top |
| Uninsured Deposit Ratio | 92.29% | 32.64% | +59.65% | 0th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.72% | 10.47% | -13.19% | 7th bottom |
| Loan Growth (Y/Y) | -21.82% | 8.02% | -29.84% | 1st bottom |
| Deposit Growth (Y/Y) | -4.15% | 7.99% | -12.14% | 6th bottom |
See Sumitomo Mitsui Trust Bank (U.S.A.) Limited's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sumitomo Mitsui Trust Bank (U.S.A.) Limited, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Sumitomo Mitsui Trust Bank (U.S.A.) Limited profile, how to read a UBPR, or how this data updates.