BlastPoint's Banking Scorecard
Sumitomo Mitsui Trust Bank (U.S.A.) Limited
Hoboken, NJ
Non-lending institution — comparison caveats apply
Sumitomo Mitsui Trust Bank (U.S.A.) Limited is a trust company, wealth-management entity, or similar non-lending FDIC institution. Loan-based ratios (Loan-to-Deposit, Delinquency Rate, Non-Performing Asset Ratio, Non-Interest-Bearing Deposit Share) and capital ratios are mathematically valid but not directly comparable to traditional banks. This bank is excluded from the Signature Analysis leaderboards for the same reason.
Sumitomo Mitsui Trust Bank (U.S.A.) Limited has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 13.1% in tier
- + Delinquency Rate 0.87% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.54% above tier average
- + Efficiency Ratio 8.07% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 12.2% in tier
- - Net Interest Margin 1.49% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.9B
-2.7% YoY
+2.9% QoQ
|
+$1.1B |
$2.8B
-0.6% YoY
|
$4.4B
+7.9% YoY
|
$6.3B
+7.7% YoY
|
80% |
| Total Loans ? |
$437K
-21.8% YoY
-99.4% QoQ
|
-$2.0B |
$2.0B
-0.3% YoY
|
$3.3B
+6.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 0.5% in tier |
| Total Deposits ? |
$3.3B
-4.2% YoY
+2.9% QoQ
|
+$1.0B |
$2.3B
-0.5% YoY
|
$3.6B
+8.2% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
1.93%
-0.3% YoY
+1.1% QoQ
|
+0.54% |
1.39%
+17.0% YoY
|
0.53%
-11.1% YoY
|
1.30%
+12.1% YoY
|
Top 14.1% in tier |
| Net Interest Margin ? |
2.38%
-7.0% YoY
+1.5% QoQ
|
-1.49% |
3.87%
+6.2% YoY
|
3.11%
+4.3% YoY
|
3.95%
+4.9% YoY
|
Bottom 3.4% in tier |
| Efficiency Ratio ? |
51.66%
+0.7% YoY
-0.3% QoQ
|
-8.07% |
59.73%
-12.6% YoY
|
78.52%
+3.6% YoY
|
70.05%
+2.5% YoY
|
73% |
| Delinquency Rate ? | 0.00% | -0.87% |
0.87%
+11.7% YoY
|
0.69%
-16.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
0.01%
-18.4% YoY
-99.4% QoQ
|
-85.02% |
85.04%
-0.1% YoY
|
81.90%
-3.2% YoY
|
79.03%
+2.3% YoY
|
Top 0.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.74%
-3.2% YoY
+11.5% QoQ
|
+7.47% |
21.27%
-1.5% YoY
|
16.56%
-0.1% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+11.7% YoY
|
0.61%
-0.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
45.25%
+23.2% YoY
+20.8% QoQ
|
+30.41% |
14.84%
-0.4% YoY
|
19.31%
+2.7% YoY
|
17.09%
+0.8% YoY
|
Top 1.1% in tier |
| Non-Interest Income / Assets ? |
1.35%
+16.1% YoY
+97.5% QoQ
|
+0.82% |
0.53%
+2.5% YoY
|
0.77%
-2.9% YoY
|
0.66%
+5.2% YoY
|
Top 4.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.7%
-0.9pp YoY +3.0pp QoQ |
+7.4pp | 21.4% | 16.6% | 22.2% | 81% |
| Brokered Deposits | n/a | n/a | 9.5% | 10.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 14.0% | 6.5% | 12.5% | n/a |
| CRE | n/a | n/a | 50.0% | 56.3% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 26.4% | 39.4% | 31.3% | n/a |
| Consumer | n/a | n/a | 4.7% | 4.3% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
45.2%
+8.5pp YoY +7.8pp QoQ |
+29.7pp | 15.6% | 18.8% | 19.7% | 98% |
| Leverage Ratio |
12.7%
-0.5pp YoY -0.4pp QoQ |
+1.4pp | 11.3% | 13.4% | 12.6% | 82% |
| Total Capital Ratio |
45.2%
+8.5pp YoY +7.8pp QoQ |
+28.6pp | 16.7% | 19.8% | 20.8% | 98% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
259
+4 (+1.6%) YoY +3 (+1.2%) QoQ |
-55 | 313 | 336 | 482 | 57% |
| Assets per Employee ($) |
$15.1M
-4.2% YoY +1.7% QoQ |
+$4.6M | $10.5M | $11.2M | $8.8M | 89% |
| Branch Count |
1
0 YoY 0 QoQ |
-19 | 20 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.8% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 18.71x | 6.57x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.3% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.7%
-0.3pp YoY +0.2pp QoQ |
+1.1pp | 12.6% | 6.4% | 11.6% | 63% |
| Cost of Funds (YTD) |
1.3%
-0.4pp YoY +0.1pp QoQ |
-0.6pp | 1.9% | 1.9% | 1.7% | 14% |
| Net Income ($, YTD) |
$37.0M
+4.8% YoY — QoQ |
+$17.8M | $19.2M | $19.8M | $40.4M | 87% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.