Side-by-side · Q2 2026 data
Sumitomo Mitsui Trust Bank (U.S.A.) Limited vs Spencer Savings Bank, SLA
Bank
Sumitomo Mitsui Trust Bank (U.S.A.) Limited
Hoboken, New Jersey · $1 billion – $10 billion
Metric by metric
| Measure | Sumitomo Mitsui Trust Bank (U.S.A.) Limited | Spencer Savings Bank, SLA |
|---|---|---|
| TellerScore | 85 (stronger) | 61 |
| Capital cushion | 77 (stronger) | 62 |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 97 (stronger) | 45 |
| Funding & liquidity | 50 (stronger) | 23 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 97th | 24th |
| Total assets | $3.9B | $4.0B |
| Deposits / shares | $3.3B | $3.0B |
| Capital ratio | 12.72% (stronger) | 11.23% |
| Problem loans | 0.00% (stronger) | 0.58% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.93% (stronger) | 0.63% |
| Loans ÷ deposits | 0.0% (stronger) | 107.4% |
| Uninsured deposits | 92.3% | 41.6% (stronger) |
| Offices | 1 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.0% |
Sumitomo Mitsui Trust Bank (U.S.A.) Limited has the higher TellerScore (85 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Sumitomo Mitsui Trust Bank (U.S.A.) Limited leads on 6 and Spencer Savings Bank, SLA on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.