TellerScore

Sumitomo Mitsui Trust Bank (U.S.A.) Limited is a state-chartered bank headquartered in Hoboken, New Jersey, in business for about 39 years. At the end of Q2 2026 it reported $3.9B in total assets and $3.3B in deposits, with 1 office.

Based on its Q2 2026 filing, Sumitomo Mitsui Trust Bank (U.S.A.) Limited scores 85/100, which we describe as very strong. That is higher than 97% of 897 banks with $1 billion – $10 billion. Among 50 banks headquartered in New Jersey, it ranks 3rd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (50/100; 0% loans-to-deposits, 92% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Tier 1 leverage ratio: 12.72%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings97/100
Return on assets (annualized): 1.93%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 0.0% · 92.3% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 2 points (87 → 85), mostly because the capital cushion component weakened by 5 points.

TellerScore
858993Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202486
Q4 202493
Q1 202587
Q2 202587
Q3 202587
Q4 202591
Q1 202686
Q2 202685
Tier 1 leverage ratio
5.00%10.06%15.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.89%
Q3 202412.66%
Q4 202415.11%
Q1 202513.16%
Q2 202513.18%
Q3 202513.19%
Q4 202514.50%
Q1 202613.14%
Q2 202612.72%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.91%2.07%2.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.20%
Q3 20242.23%
Q4 20242.20%
Q1 20252.02%
Q2 20251.94%
Q3 20251.95%
Q4 20251.94%
Q1 20261.91%
Q2 20261.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$3.9B12.72%0.00%1.93%0.0%
Q1 202686$3.8B13.14%0.00%1.91%2.1%
Q4 202591$3.8B14.50%0.00%1.94%0.0%
Q3 202587$4.4B13.19%0.00%1.95%0.0%
Q2 202587$4.0B13.18%0.00%1.94%0.0%
Q1 202587$3.8B13.16%0.00%2.02%1.6%
Q4 202493$3.1B15.11%0.00%2.20%0.1%
Q3 202486$3.9B12.66%0.00%2.23%0.1%
Q2 202489$3.5B13.89%0.00%2.20%0.0%

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 ratio12.72%
82nd
Total risk-based capital45.25%
99th
Problem loans0.00%
98th
Net charge-offs0.00%
82nd
Return on assets1.93%
86th
Net interest margin2.38%
4th
Efficiency ratio51.7%
73rd
Loans to deposits0.0%
99th
Uninsured deposits92.3%
0th
Loan-loss reserves0.00%
1st
Texas ratio0.0%
98th

Similar-size banks in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Spencer Savings Bank, SLABank Elmwood Park, NJ61 out of 100, Moderate$4.0B11.2%0.58%vs
First BankBank Hamilton, NJ59 out of 100, Moderate$4.1B10.2%0.86%vs
Manasquan BankBank Manasquan, NJ59 out of 100, Moderate$3.6B9.7%0.64%vs
Unity BankBank Clinton, NJ69 out of 100, Moderate$3.2B12.9%1.23%vs
Amboy BankBank Old Bridge, NJ80 out of 100, Strong$3.1B12.2%0.30%vs
BCB Community BankBank Bayonne, NJ28 out of 100, Low$3.1B10.4%2.85%vs

Deposit insurance

Is my money safe at Sumitomo Mitsui Trust Bank (U.S.A.) Limited?

Yes. Sumitomo Mitsui Trust Bank (U.S.A.) Limited is an FDIC-insured institution (FDIC certificate #27054). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 92.3% of deposits ($3.1B) 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 12.72%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 45.25% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Sumitomo Mitsui Trust Bank (U.S.A.) Limited lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Sumitomo Mitsui Trust Bank (U.S.A.) Limited
Former names
Sumitomo Trust and Banking Co. (U.S.A.)
Type
State-chartered bank
FDIC certificate #
27054
RSSD ID
925411
Primary regulator
FDIC
Holding company
Sumitomo Mitsui Tr Group Inc
Established
September 21, 1987
Headquarters
111 River St, Hoboken, NJ 07030
Employees
259

Quick answers

Sumitomo Mitsui Trust Bank (U.S.A.) Limited: common questions

Is Sumitomo Mitsui Trust Bank (U.S.A.) Limited FDIC insured?

Yes. Sumitomo Mitsui Trust Bank (U.S.A.) Limited is an FDIC-insured institution (FDIC certificate #27054). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Sumitomo Mitsui Trust Bank (U.S.A.) Limited's TellerScore?

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

Has Sumitomo Mitsui Trust Bank (U.S.A.) Limited ever failed?

There is no failure record for FDIC certificate #27054 in the FDIC failed bank list.

How many branches does Sumitomo Mitsui Trust Bank (U.S.A.) Limited have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hoboken

InstitutionScoreAssetsCapitalProblem loansCompare
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NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs