FDIC Cert #18618 · Los Angeles, California · Est. 1962

SMBC MANUBANK - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$7.7B
Total assets
C
Health grade · Fair
-2.43%
Return on assets
17.3%
Tier 1 capital

Data updated July 2026

The verdict

SMBC MANUBANK earns a PlainBankData health grade of C (60/100), with well-capitalized at 17.27% Tier 1, -2.43% ROA, 150% efficiency ratio.

#204
largest of 4,313 FDIC banks by assets
95th
percentile by asset size, nationally
17.27%
Tier 1 ratio - above the 10% well-capitalized line
1st
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 18618 · CA C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3753/4307
  • PHOTO-FINISH Bruning Bank · NE
  • TIER1-WELL 17.3% Tier 1
  • TEXAS-CLEAN 2.0% Texas
  • ROA-LOSS -2.43% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Bruning Bank, NE (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around SMBC MANUBANK

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bruning Bank · NE · near60/100Old Glory Bank · OK · near60/100Producer Bank of Texas · TX …60/100SMBC MANUBANK · CA · this ba…60/100The Walton State Bank · KS ·…60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around SMBC MANUBANK · July 2026

Call Report read for SMBC MANUBANK in a high-failure state

SMBC MANUBANK (FDIC Cert #18618) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,753 of 4,307. Tier 1 capital prints at 17.27%, clearing the 10% well-capitalized line. The Texas Ratio is 1.95%, inside the sub-50% band analysts treat as healthy. Return on assets is -2.43%. Balance-sheet scale is $7.7B, 204th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bruning Bank (NE), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around SMBC MANUBANK

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

SMBC MANUBANK sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about SMBC MANUBANK's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

How SMBC MANUBANK's 60/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10060/100
SMBC MANUBANK's composite health score
Tier 1 Capital Ratio (17.27%) 40/40
Return on Assets (ROA) (-2.43%) 0/25
Texas Ratio (1.95%) 20/20
Efficiency Ratio (150.21%) 0/15

60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$7.7B

Total balance-sheet footings

Total Deposits

$6.6B

Customer-funded liabilities

Net Loans

$4.6B

Outstanding loan book

Net Income

$-169,843K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.87% 17.27% 18.67%
Basel III capital ratios - SMBC MANUBANK

Where SMBC MANUBANK ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. SMBC MANUBANK's score of 60/100 falls in the highlighted band.

SMBC MANUBANK: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 13th percentile higher than 13% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. SMBC MANUBANK 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

SMBC MANUBANK's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). SMBC MANUBANK's $7.7B falls in the highlighted band.

Capital & credit buffers at SMBC MANUBANK

Tier 1 capital ratio
Well-capitalized 10%

17.27% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.27%
Texas Ratio
1.95%
Equity Capital
$893M

What these ratios mean →

Profitability metrics: SMBC MANUBANK

Return on Assets (ROA)
1st percentile nationally
-2.43%
Return on Equity (ROE)
-17.37%
Efficiency Ratio
150.21%

What these mean →

Income & expense: loss period at SMBC MANUBANK

$437M
Interest Income
$20M
Non-Interest Income
$385M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. SMBC MANUBANK reports a Texas Ratio of 1.95% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.95% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at SMBC MANUBANK

SMBC MANUBANK's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-169,843K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at SMBC MANUBANK up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View SMBC MANUBANK on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($7.7B here), outside California so the neighborhood is not state containment.

Bank of Colorado $7.7B · CO Kearny Bank $7.6B · NJ Comenity Bank $7.8B · DE Stockman Bank of Montana $7.6B · MT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) SMBC MANUBANK (FDIC Cert #18618) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

SMBC MANUBANK Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%