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SMBC MANUBANK
Los Angeles, CA·FDIC Cert #18618·Charter: STATE·Est. 19621029.0·HC: SUMITOMO MITSUI FINL GROUP INC
Total Assets
$7.7B
Q4 2025
Return on Assets
-2.43%
-0.13%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
150.21%
Peer avg: 56.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
34
Marginal
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
-2.43%-0.13
ROE
-17.37%-1.69
Efficiency
150.21%-1.57
Equity/Assets
0.00%+0.00
NPL Ratio
0.40%-0.21
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
70.24%-0.22
Charge-offs
5.72%+3.92
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | -3.1 | -3.3 | -3.6 | -3.1 | -2.3 | -2.7 | -2.3 | -2.4 |
| ROE | -18.9 | -21.4 | -24.9 | -20.6 | -14.6 | -17.5 | -15.7 | -17.4 |
| Efficiency | 155.0 | 152.2 | 153.9 | 150.6 | 155.3 | 154.8 | 151.8 | 150.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.5 | 1.7 | 1.7 | 1.7 | 1.6 | 1.2 | 0.6 | 0.4 |
| Charge-offs | 0.2 | -0.5 | 0.4 | 0.6 | 1.4 | 1.4 | 1.8 | 5.7 |
| Loan/Deposit | 81.0 | 79.2 | 80.8 | 77.4 | 74.2 | 76.4 | 70.5 | 70.2 |
Balance Sheet
Total Assets$7.7B
Total Deposits$6.6B
Total Loans$4.6B
Total Equity$893.5M
Profitability
ROA-2.43%
ROE-17.37%
Efficiency Ratio150.21%
Net Income$-169.8M
Risk & Asset Quality
NPL Ratio0.40%
Charge-off Rate5.72%
Loan/Deposit70.24%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans