← Back to Institutions
Sumitomo Mitsui Trust Bank (U.S.A.) Limited
Hoboken, NJ·FDIC Cert #27054·Charter: STATE·Est. 19870921.0·HC: SUMITOMO MITSUI TR GROUP INC
Total Assets
$3.8B
Q4 2025
Return on Assets
1.94%
-0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
50.21%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
70
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.94%-0.01
ROE
14.25%-0.35
Efficiency
50.21%+0.50
Equity/Assets
0.00%+0.00
NPL Ratio
0.00%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
0.01%-0.02
Charge-offs
0.00%+0.00
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 | 2.1 | 2.2 | 2.2 | 2.2 | 2.0 | 1.9 | 2.0 | 1.9 |
| ROE | 15.2 | 16.1 | 16.6 | 15.7 | 13.9 | 14.0 | 14.6 | 14.3 |
| Efficiency | 52.0 | 50.2 | 48.6 | 49.3 | 51.5 | 51.3 | 49.7 | 50.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | — | — | — | — | — | — | — | — |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 0.2 | 0.0 | 0.1 | 0.1 | 1.6 | 0.0 | 0.0 | 0.0 |
Balance Sheet
Total Assets$3.8B
Total Deposits$3.2B
Total Loans$376K
Total Equity$550.3M
Profitability
ROA1.94%
ROE14.25%
Efficiency Ratio50.21%
Net Income$74.0M
Risk & Asset Quality
NPL RatioN/A
Charge-off Rate0.00%
Loan/Deposit0.01%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans