Total Assets
$3.8B
Total balance-sheet footings
FDIC Cert #27054 · Hoboken, New Jersey · Est. 1987
Sumitomo Mitsui Trust Bank (U.S.A.) Limited - FDIC Bank Health Profile
A community-scale look at Sumitomo Mitsui Trust Bank (U.S.A.) Limited's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.8B
- Total assets
- A
- Health grade · Excellent
- 1.94%
- Return on assets
- 41.0%
- Tier 1 capital
Data updated July 2026
The verdict
Sumitomo Mitsui Trust Bank (U.S.A.) Limited earns a PlainBankData health grade of A (97/100), with well-capitalized at 41.04% Tier 1, profitable at 1.94% ROA, efficient (50% cost ratio).
- #354
- largest of 4,313 FDIC banks by assets
- 92nd
- percentile by asset size, nationally
- 41.04%
- Tier 1 ratio - above the 10% well-capitalized line
- 89th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Sumitomo Mitsui Trust Bank (U.S.A.) Limited's 97/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Sumitomo Mitsui Trust Bank (U.S.A.) Limited's composite health score
Tier 1 Capital Ratio (41.04%) 40/40
Return on Assets (ROA) (1.94%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (50.21%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.2B
Customer-funded liabilities
Net Loans
$376K
Outstanding loan book
Net Income
$74M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Sumitomo Mitsui Trust Bank (U.S.A.) Limited ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Sumitomo Mitsui Trust Bank (U.S.A.) Limited's score of 97/100 falls in the highlighted band.
Sumitomo Mitsui Trust Bank (U.S.A.) Limited'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). Sumitomo Mitsui Trust Bank (U.S.A.) Limited's $3.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
41.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
41.04%
Texas Ratio
0.00%
Equity Capital
$550M
Profitability metrics
Return on Assets (ROA)
89th percentile nationally
1.94%
Return on Equity (ROE)
14.25%
Efficiency Ratio
50.21%
What the numbers say about Sumitomo Mitsui Trust Bank (U.S.A.) Limited
Sumitomo Mitsui Trust Bank (U.S.A.) Limited is an FDIC-insured institution (Certificate #27054) headquartered in Hoboken, New Jersey, established in 1987. It holds $3.8B in total assets - 354th of 4,313 FDIC-insured banks, $3.2B in customer deposits, and $376K in net loans. Its capital position: a Tier 1 ratio of 41.04%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (97 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Sumitomo Mitsui Trust Bank (U.S.A.) Limited sits in the top decile of all FDIC-insured institutions by asset size (354th of 4,313), and within New Jersey it ranks 11th of 51 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Manasquan Bank, at $3.4B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$150M
Interest Income
$98M
Non-Interest Income
$95M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Sumitomo Mitsui Trust Bank (U.S.A.) Limited reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Jersey by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Sumitomo Mitsui Trust Bank (U.S.A.) Limited (FDIC Cert #27054) - 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.
Other banks in New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Valley National BankPassaic | $64.1B | B | 0.99% |
| Provident BankJersey City | $24.9B | A | 1.28% |
| OceanFirst Bank, National AssociationToms River | $14.5B | B | 0.61% |
| ConnectOne BankEnglewood Cliffs | $14.0B | A | 0.77% |
| Columbia BankFair Lawn | $11.0B | B | 0.48% |
| Cross River BankFort Lee | $8.1B | C | 0.29% |
| Kearny BankKearny | $7.6B | C | 0.43% |
| Peapack Private Bank & TrustBedminster | $7.5B | C | 0.57% |
Frequently asked questions
What is Sumitomo Mitsui Trust Bank (U.S.A.) Limited's health grade?▼
Sumitomo Mitsui Trust Bank (U.S.A.) Limited receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Sumitomo Mitsui Trust Bank (U.S.A.) Limited?▼
Sumitomo Mitsui Trust Bank (U.S.A.) Limited holds $3.8B in total assets and $3.2B in deposits, ranking 354th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hoboken, New Jersey.
Is my money safe at Sumitomo Mitsui Trust Bank (U.S.A.) Limited?▼
Yes, deposits at Sumitomo Mitsui Trust Bank (U.S.A.) Limited (Certificate #27054) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Sumitomo Mitsui Trust Bank (U.S.A.) Limited's Tier 1 Capital Ratio?▼
Sumitomo Mitsui Trust Bank (U.S.A.) Limited has a Tier 1 Capital Ratio of 41.04%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Sumitomo Mitsui Trust Bank (U.S.A.) Limited?▼
Sumitomo Mitsui Trust Bank (U.S.A.) Limited has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Sumitomo Mitsui Trust Bank (U.S.A.) Limited?▼
Sumitomo Mitsui Trust Bank (U.S.A.) Limited has an Efficiency Ratio of 50.21%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Sumitomo Mitsui Trust Bank (U.S.A.) Limited's profile as a depositor or analyst.
- Sumitomo Mitsui Trust Bank (U.S.A.) Limited's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Sumitomo Mitsui Trust Bank (U.S.A.) Limited against other New Jersey banks before moving funds. New Jersey banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.