BlastPoint's Banking Scorecard

Sumitomo Mitsui Trust Bank (U.S.A.) Limited

$1B-$10B Specialty: Other NJ FDIC cert 27054

Hoboken, NJ

884 banks in the $1B-$10B peer group nationally 20 in NJ

Sumitomo Mitsui Trust Bank (U.S.A.) Limited has 5 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 12.7% in tier
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.55% above tier average
+ Efficiency Ratio 9.27% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 3.1% in tier
- Margin Compression: Bottom 67.9% in tier
- Net Interest Margin 1.47% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$3.8B -0.6% YoY +0.9% QoQ	+$992.4M	$2.8B -0.1% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	79%
Total Loans ?	$67.7M +31.2% YoY	-$1.9B	$2.0B +0.6% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	Bottom 0.7% in tier
Total Deposits ?	$3.2B -1.9% YoY +2.0% QoQ	+$887.2M	$2.3B -0.3% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	79%
Return on Assets ?	1.91% -5.2% YoY -1.5% QoQ	+0.55%	1.37% +19.6% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	Top 12.9% in tier
Net Interest Margin ?	2.34% -14.4% YoY -4.5% QoQ	-1.47%	3.82% +6.9% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	Bottom 3.7% in tier
Efficiency Ratio ?	51.79% +0.5% YoY +3.2% QoQ	-9.27%	61.06% -4.6% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	73%
Delinquency Rate ?	0.00%	-0.89%	0.89% +14.1% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	2.10% +33.7% YoY	-82.11%	84.20% +0.3% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	Top 0.6% in tier
Non-Interest-Bearing Deposit Share ?	25.76% -19.1% YoY -17.7% QoQ	+4.48%	21.29% -2.5% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	73%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +15.6% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	37.46% +5.5% YoY -8.7% QoQ	+22.30%	15.16% +2.0% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	Top 1.4% in tier
Non-Interest Income / Assets ?	0.68% +15.1% YoY -73.7% QoQ	+0.42%	0.26% +1.6% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	Top 4.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#29 of 221 • Top 12.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.68%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.91%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Deposit Outflow

decline

#5 of 130 • Bottom 3.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ

Margin Compression

decline

#58 of 84 • Bottom 67.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.91%

(Tier: 1.37%, National: 1.23%)

better than tier avg

84 of 84 Mid-Market banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (8 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 880 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 884 Top 0.1% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 2.10%

Peer Median: 84.20%

#6 of 884 Top 0.6% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 37.46%

Peer Median: 15.16%

#13 of 884 Top 1.4% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.68%

Peer Median: 0.26%

#44 of 884 Top 4.9% in $1B-$10B

115

Return on Assets

profitability

Value: 1.91%

Peer Median: 1.37%

#115 of 884 Top 12.9% in $1B-$10B

185

Total Deposits

size

Value: $3.23B

Peer Median: $2.34B

#185 of 884 Top 20.8% in $1B-$10B

189

Total Assets

size

Value: $3.81B

Peer Median: $2.82B

#189 of 884 Top 21.3% in $1B-$10B

Top Weaknesses (2 metrics)

879

Total Loans

size

Value: $67.73M

Peer Median: $1.96B

#879 of 884 Bottom 0.7% in $1B-$10B

852

Net Interest Margin

profitability

Value: 2.34%

Peer Median: 3.82%

#852 of 884 Bottom 3.7% in $1B-$10B