TellerScore

Headquartered in Los Angeles, California, Smbc Manubank is a state-chartered bank with $6.6B in total assets and $5.6B in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1962.

Based on its Q2 2026 filing, Smbc Manubank scores 54/100, which we describe as below average. That is higher than only 12% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 98th. Its strongest component is problem-loan coverage (98/100; 1.1%), and its lowest is earnings (0/100; -3.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.63%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.30%
Earnings0/100
Return on assets (annualized): -3.56%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 48.2% · 79.0% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.08%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (60 → 54), mostly because the capital cushion component weakened by 41 points.

TellerScore
495663Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202449
Q4 202459
Q1 202561
Q2 202560
Q3 202563
Q4 202561
Q1 202655
Q2 202654
Tier 1 leverage ratio
5.00%11.38%17.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.66%
Q3 202411.93%
Q4 202417.76%
Q1 202515.45%
Q2 202513.66%
Q3 202513.13%
Q4 202511.78%
Q1 20269.64%
Q2 20269.63%
Noncurrent loans
0.30%0.98%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.60%
Q3 20241.62%
Q4 20241.65%
Q1 20251.56%
Q2 20251.11%
Q3 20250.59%
Q4 20250.40%
Q1 20260.33%
Q2 20260.30%
Return on assets
-6.85%-4.57%-2.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-3.27%
Q3 2024-3.59%
Q4 2024-3.08%
Q1 2025-2.33%
Q2 2025-2.70%
Q3 2025-2.30%
Q4 2025-2.43%
Q1 2026-6.85%
Q2 2026-3.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$6.6B9.63%0.30%-3.56%48.2%
Q1 202655$7.7B9.64%0.33%-6.85%64.3%
Q4 202561$7.7B11.78%0.40%-2.43%70.2%
Q3 202563$7.5B13.13%0.59%-2.30%70.5%
Q2 202560$6.8B13.66%1.11%-2.70%76.4%
Q1 202561$6.7B15.45%1.56%-2.33%74.2%
Q4 202459$6.3B17.76%1.65%-3.08%77.4%
Q3 202449$5.7B11.93%1.62%-3.59%80.8%
Q2 202455$5.5B13.66%1.60%-3.27%79.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.63%
26th
Total risk-based capital24.05%
96th
Problem loans0.30%
67th
Net charge-offs3.42%
1st
Return on assets-3.56%
0th
Net interest margin0.94%
1st
Efficiency ratio16.5%
99th
Loans to deposits48.2%
97th
Uninsured deposits79.0%
1st
Loan-loss reserves0.00%
1st
Texas ratio1.1%
82nd

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
River City BankBank Sacramento, CA69 out of 100, Moderate$6.0B9.2%0.00%vs
Fremont BankBank Fremont, CA60 out of 100, Moderate$6.0B8.4%0.39%vs
CTBC Bank Corp. (USA)Bank Los Angeles, CA64 out of 100, Moderate$5.9B14.7%1.55%vs
Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA79 out of 100, Strong$5.8B11.7%0.13%vs
Mizrahi Tefahot Bank, Ltd.Bank Los Angeles, CA45 out of 100, Below average$7.4B0.0%0.12%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs

Deposit insurance

Is my money safe at Smbc Manubank?

Yes. Smbc Manubank is an FDIC-insured institution (FDIC certificate #18618). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 79.0% of deposits ($4.4B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.63%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.05% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Smbc Manubank lists 7 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Smbc Manubank
Former names
Mitsui Manufacturers Bank; Manufacturers Bank; Manufacturers Bank
Type
State-chartered bank
FDIC certificate #
18618
RSSD ID
930965
Primary regulator
FDIC
Holding company
Sumitomo Mitsui Finl Group Inc
Established
October 29, 1962
Headquarters
515 South Figueroa Street, Ground Floor, Los Angeles, CA 90071
Employees
695

Quick answers

Smbc Manubank: common questions

Is Smbc Manubank FDIC insured?

Yes. Smbc Manubank is an FDIC-insured institution (FDIC certificate #18618). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Smbc Manubank's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Smbc Manubank ever failed?

There is no failure record for FDIC certificate #18618 in the FDIC failed bank list.

How many branches does Smbc Manubank have?

7 offices as of the latest FDIC data.

Nearby

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