Sumitomo Mitsui Trust Bank (U.S.A.) Limited: how it compares with its peers
Against 11 NJ banks with half to twice its assets, Sumitomo Mitsui Trust Bank (U.S.A.) Limited's strongest measure in Q2 2026 is assets per employee ($15.1M vs. a $12.8M peer median). Its weakest relative measure is net interest margin (2.38% vs. 3.21%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.93% | 0.96% | Top third Ahead of 73% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.38% | 3.21% | Bottom third Ahead of 18% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.66% | 59.58% | Top third Ahead of 73% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.1M | $12.8M | Top third Ahead of 91% of peers |
| Loans to deposits Net loans and leases over total deposits. | 0.01% | 100.08% | Context |
What it means for lending operations
Its efficiency ratio of 51.66% is better than the 59.58% 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
- Spencer Savings Bank, SLA Elmwood Park, NJ · $4.04B
- First Bank Hamilton, NJ · $4.09B
- Manasquan Bank Manasquan, NJ · $3.59B
- Unity Bank Clinton, NJ · $3.18B
- Amboy Bank Old Bridge, NJ · $3.12B
- BCB Community Bank Bayonne, NJ · $3.12B
Questions about Sumitomo Mitsui Trust Bank (U.S.A.) Limited
How big is Sumitomo Mitsui Trust Bank (U.S.A.) Limited?
Sumitomo Mitsui Trust Bank (U.S.A.) Limited, established in 1987, is headquartered in Hoboken, NJ. It reported $3.92B in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Sumitomo Mitsui Trust Bank (U.S.A.) Limited's return on assets?
1.93% annualized in Q2 2026, against a 0.96% median for 11 NJ banks with half to twice its assets, ahead of 73% of them.
What is Sumitomo Mitsui Trust Bank (U.S.A.) Limited's efficiency ratio?
51.66% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 59.58%, and lower is better.
Is Sumitomo Mitsui Trust Bank (U.S.A.) Limited growing its loans?
Net loans shrank 21.8% over the year to Q2 2026, while deposits shrank 4.2%.
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 NJ 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 New Jersey bank ranked.