Sumitomo Mitsui Trust Bank (U.S.A.) Limited: 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.
Cet1 capital ratio climbed 7.79 percentage points in Q2 2026, from 37.46% to 45.25%. 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 7th of 49 on return on assets, 1.76% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Sumitomo Mitsui Trust Bank (U.S.A.) Limited sits 0.49 points higher, at 1.76% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 45.25% |
| Tier 1 risk-based capital ratio | 45.25% |
| Total risk-based capital ratio | 45.25% |
| Tier 1 leverage ratio | 12.72% |
| Equity capital to assets | 13.95% |
| Tangible equity to tangible assets | 13.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.00% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.76% |
| Return on equity | 14.10% |
| Net interest margin | 2.16% |
| Efficiency ratio | 51.53% |
| Yield on earning assets | 3.40% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.01% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.80% |
| Securities to assets | — |
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 | 33.60% | 33.60% | 33.60% | 15.18% | 1.90% |
| Q4 2023 | 34.58% | 34.58% | 34.58% | 14.65% | 2.03% |
| Q1 2024 | 34.39% | 34.39% | 34.39% | 14.25% | 2.18% |
| Q2 2024 | 35.47% | 35.47% | 35.47% | 13.89% | 2.32% |
| Q3 2024 | 38.03% | 38.03% | 38.03% | 12.66% | 2.21% |
| Q4 2024 | 45.08% | 45.08% | 45.08% | 15.11% | 1.96% |
| Q1 2025 | 35.49% | 35.49% | 35.49% | 13.16% | 1.86% |
| Q2 2025 | 36.74% | 36.74% | 36.74% | 13.18% | 1.85% |
| Q3 2025 | 36.64% | 36.64% | 36.64% | 13.19% | 2.05% |
| Q4 2025 | 41.04% | 41.04% | 41.04% | 14.50% | 1.89% |
| Q1 2026 | 37.46% | 37.46% | 37.46% | 13.14% | 1.80% |
| Q2 2026 | 45.25% | 45.25% | 45.25% | 12.72% | 1.76% |
Sumitomo Mitsui Trust Bank (U.S.A.) Limited vital signs, all the way back
Vital Signs 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, 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 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)