Side-by-side · Q2 2026 data
Sumitomo Mitsui Trust Bank (U.S.A.) Limited vs Unity Bank
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 | Unity Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 69 |
| Capital cushion | 77 | 79 (stronger) |
| Loan quality | 100 (stronger) | 59 |
| Earnings | 97 (stronger) | 96 |
| Funding & liquidity | 50 (stronger) | 23 |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 97th | 53rd |
| Total assets | $3.9B | $3.2B |
| Deposits / shares | $3.3B | $2.5B |
| Capital ratio | 12.72% | 12.88% (stronger) |
| Problem loans | 0.00% (stronger) | 1.23% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.93% (stronger) | 1.91% |
| Loans ÷ deposits | 0.0% (stronger) | 107.5% |
| Uninsured deposits | 92.3% | 42.1% (stronger) |
| Offices | 1 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.9% |
Sumitomo Mitsui Trust Bank (U.S.A.) Limited has the higher TellerScore (85 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Sumitomo Mitsui Trust Bank (U.S.A.) Limited leads on 4 and Unity Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.