BlastPoint's Banking Scorecard
Sumitomo Mitsui Trust Bank (U.S.A.) Limited
Community
Specialty: Other
NJ
FDIC cert 27054
Hoboken, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Sumitomo Mitsui Trust Bank (U.S.A.) Limited has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 9% in Community
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 30.80% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.21% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.8B
+22.4% YoY
-13.3% QoQ
|
+$2.4B |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$376K
-74.0% YoY
-63.3% QoQ
|
-$975.1M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$3.2B
+25.5% YoY
-15.9% QoQ
|
+$2.0B |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.94%
-11.7% YoY
-0.7% QoQ
|
+0.78% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
2.45%
-15.3% YoY
-1.8% QoQ
|
-1.21% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
50.21%
+1.9% YoY
+1.0% QoQ
|
-12.42% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
0.01%
-79.3% YoY
-56.3% QoQ
|
-83.05% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
31.31%
+13.9% YoY
-20.6% QoQ
|
+10.27% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
41.04%
-9.0% YoY
+12.0% QoQ
|
+30.80% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
2.59%
-13.2% YoY
+57.7% QoQ
|
+1.85% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (4)
Revenue Diversifier
growth
#33 of 371 · Top 9% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.59%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.94%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
41.04%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Net Interest Margin
metric
Bottom 5%
in Community
Why this stands out
Current:
2.45%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Tier 1 Capital Ratio
Current: 41.04% · Tier avg: 10.24%
97
97th pctile
Non-Interest Income / Assets
Current: 2.59% · Tier avg: 0.74%
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B
96
96th pctile
Total Assets
Current: $3.8B · Tier avg: $1.4B
90
90th pctile
Return on Assets
Current: 1.94% · Tier avg: 1.16%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.31% · Tier avg: 21.05%
83
83th pctile
Efficiency Ratio
Current: 50.21% · Tier avg: 62.63%
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.66%
0
0th pctile
Total Loans
Current: $376K · Tier avg: $975.5M
Top Weaknesses
0
0th pctile
Total Loans
Current: $376K · Tier avg: $975.5M
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.66%
83
83th pctile
Efficiency Ratio
Current: 50.21% · Tier avg: 62.63%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.31% · Tier avg: 21.05%
90
90th pctile
Return on Assets
Current: 1.94% · Tier avg: 1.16%
96
96th pctile
Total Assets
Current: $3.8B · Tier avg: $1.4B
96
96th pctile
Total Deposits
Current: $3.2B · Tier avg: $1.2B
97
97th pctile
Non-Interest Income / Assets
Current: 2.59% · Tier avg: 0.74%
100
100th pctile
Tier 1 Capital Ratio
Current: 41.04% · Tier avg: 10.24%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%