SMBC MANUBANK: how it compares with its peers
Against 24 CA banks with half to twice its assets, SMBC MANUBANK's strongest measure in Q2 2026 is efficiency ratio (16.50% vs. a 49.56% peer median). Its weakest relative measure is return on assets (-3.56% vs. 1.31%).
| Measure | SMBC MANUBANK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -3.56% | 1.31% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 0.94% | 3.66% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 16.50% | 49.56% | Top third Ahead of 92% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.5M | $12.9M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 48.23% | 84.68% | Context |
What it means for lending operations
Its efficiency ratio of 16.50% is better than the 49.56% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- River City Bank Sacramento, CA · $6.04B
- Fremont Bank Fremont, CA · $5.97B
- CTBC Bank Corp. (USA) Los Angeles, CA · $5.87B
- Farmers & Merchants Bank of Central California Lodi, CA · $5.83B
- Mizrahi Tefahot Bank, Ltd. Los Angeles, CA · $7.39B
- Westamerica Bank San Rafael, CA · $5.77B
Questions about SMBC MANUBANK
How big is SMBC MANUBANK?
SMBC MANUBANK, established in 1962, is headquartered in Los Angeles, CA. It reported $6.60B in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is SMBC MANUBANK's return on assets?
-3.56% annualized in Q2 2026, against a 1.31% median for 24 CA banks with half to twice its assets, ahead of 0% of them.
What is SMBC MANUBANK's efficiency ratio?
16.50% in Q2 2026: it spent about 16 cents in noninterest expense for each dollar of revenue. The peer median is 49.56%, and lower is better.
Is SMBC MANUBANK growing its loans?
Net loans shrank 36.9% over the year to Q2 2026, while deposits shrank 0.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.