# SMBC MANUBANK
LOS ANGELES, CA · FDIC certificate 18618 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.60B | |
| Deposits | $5.56B | |
| Loans and leases | $2.68B | |
| Total equity | $756.2M | |
| Loans / deposits | 48.23% (p4 of band) | 87.10% |
| Liquid assets / assets | 55.36% (p96 of band) | |
| Uninsured deposits / deposits | 79.00% (p99 of band) | 30.76% |
| Brokered deposits | 1.23% | |
| Wholesale funding | 2.98% (p35 of band) | |
| FHLB advances / assets | 1.74% | |
| Tier 1 leverage | 9.63% (p26 of band) | 10.50% |
| Unrealized securities loss / equity | -1.85% (p82 of band) | -7.75% |
| AOCI / equity | -0.90% (p20 of band) | |
| ROA (annualized) | -3.56% (p0 of band) | 1.26% |
| Net interest margin | 0.94% (p1 of band) | 3.70% |
| Efficiency ratio | 16.50% (p2 of band) | |
| Noncurrent loans | 0.30% (p33 of band) | 0.51% |
| Net charge-offs (annualized) | 1.82% (p98 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 45.18% (p47 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $37.4M (5% of equity) (p83 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 695 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | uninsured deposits >50%, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | reserve under noncurrent |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | wholesale funding >15%, uninsured deposits leaving |  |
| 2012-06 | 2 |  | uninsured deposits >50%, wholesale funding >15% |
| 2012-09 | 3 | wholesale funding >15%, capital falling | uninsured deposits leaving |
| 2012-12 | 2 |  | wholesale funding >15% |
| 2013-03 | 5 | uninsured deposits >50%, brokered >10%, wholesale funding >15% |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 4 |  | capital falling |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 5 | capital falling |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 5 |  |  |
| 2015-06 | 4 |  | NIM <2.5% |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 3 |  |  |
| 2016-03 | 4 | capital falling |  |
| 2016-06 | 3 |  | capital falling |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 5 | deposits shrinking, assets shrinking |  |
| 2017-12 | 3 |  | deposits shrinking, assets shrinking |
| 2018-03 | 4 | deposits shrinking |  |
| 2018-06 | 3 |  | deposits shrinking |
| 2018-09 | 1 |  | brokered >10%, wholesale funding >15% |
| 2018-12 | 3 | wholesale funding >15%, capital falling |  |
| 2019-03 | 2 |  | wholesale funding >15% |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | NIM <2.5% |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 7 | brokered >10%, wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-06 | 5 |  | brokered >10%, assets shrinking |
| 2020-09 | 6 | assets shrinking |  |
| 2020-12 | 6 |  |  |
| 2021-03 | 3 | expense ratio p90 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2021-06 | 5 | deposits shrinking, assets shrinking |  |
| 2021-09 | 4 | capital falling | deposits shrinking, assets shrinking |
| 2021-12 | 3 |  | capital falling |
| 2022-03 | 4 | losing money |  |
| 2022-06 | 5 | capital falling |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 5 | deposits shrinking, uninsured deposits leaving | NIM <2.5%, capital falling |
| 2023-03 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2023-06 | 10 | brokered >10%, wholesale funding >15%, capital falling, noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 6 |  | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-12 | 7 | charge-offs p90 |  |
| 2024-03 | 7 | capital falling, uninsured deposits leaving | uninsured deposits >50%, charge-offs p90 |
| 2024-06 | 4 |  | brokered >10%, wholesale funding >15%, uninsured deposits leaving |
| 2024-09 | 5 | charge-offs p90 |  |
| 2024-12 | 4 |  | capital falling |
| 2025-03 | 3 |  | noncurrent p90 |
| 2025-06 | 4 | capital falling |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 6 | NIM <2.5%, reserve under noncurrent |  |
| 2026-06 | 6 | uninsured deposits >50% | expense ratio p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-01 [Bank of Hope to buy SMBC commercial unit - Banking Dive](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNV3JMTFRVamNabDd4eGdtUEtJWWxvQlN3RnY1S2hsRGpZSGIzclo5TVZrM0JWakxlYTZiRUp3WUVLRUdUZTRrUGdpRVlPbTlucHBFT3AwVXNmd3dDcHlRMnp4cWJpTlAzb2psenJIWEZJcjlLRVpDaF9weUpQa3NFakNGcjk0SDNE?oc=5) · Banking Dive
- 2026-03-31 [Bank of Hope to Acquire the Commercial Banking Unit of SMBC MANUBANK in Accretive, All-Cash Transaction - Business Wire](https://news.google.com/rss/articles/CBMi8AFBVV95cUxONmtEQTM1UHN3cm42aDR4SHZ2UVJVVUZZcGVSWk5Qb2FXT0MweUxpeHluZnh5d0Z4YXhKWjZxazRLMUctR0tURG5NWjFBZ0ttX2ZGZ0RWbkY0VFJtQVpjYjVMaU5fcTdQS1ZhZmhBbk1zdUFsZkZFN0lrbFlvM0dvVEJlaDBoUnhmRVRBMFRfS3Z4UDcyN1Q5b28tYzZTRjZVWVRzM2xWN1RKa3QtMmsyb01PN0tkaU52bFhJT0czYThhNXQydGpvdGhKVFdmOHdRVS1aOU1HNGZ4WjBuZm55VXBYTzZGWlVBUHZHV2JLVl8?oc=5) · Business Wire
- 2026-04-03 [Territorial Savings parent to acquire SMBC Manubank's commercial unit in L.A. - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOUUtKZGpqcEVLajdfQUh0eWt3NFdmWUdjTExnVTFEZmlTMjZYYS1ucTV6NWhYc3RIc0JpRXVoeWN0Y3RvVmNSRGpfSW1hWXRzcXFuQUxuYnIxLTZYb2xxYTRQb0JKNk9ZeW84SFVRd3BxN0U3dVhJN0JHMjhOSWd2eEMtelVja2ZZaFZiRXgzcDNET0hobVBmb0o5ZTdaeGsxb0FUN1dtRDlCLUE?oc=5) · The Business Journals
- 2026-04-20 [Bank of Hope Lands Deal - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMib0FVX3lxTE5rQ2FFbjF0MGlXSXZQZHpuSFJlbXZNT1o2VHZQZ3gzbVhKOWRVbTJjaDctaHQ2bklxbHQtb0FNeFZPcl9XR3JTTFBMd0gyRE01cFVjS3Nlc0M3TGZaUFZRZ3N4bndFSW9Vc3ExSGZ1UQ?oc=5) · Los Angeles Business Journal
- 2026-04-02 [SMBC to sell US commercial banking unit to regional bank - Nikkei Asia](https://news.google.com/rss/articles/CBMipwFBVV95cUxNa0pycHF2RVd3MWl1UG1KRnZ3Ui1qS3ZKRkQ5MTc4ZWtOX0IyVFZGOVZOTGlaRlh3VmpqYm9JVWZEM09KT0VxQWs1OWJXckcwSl9HcHNKNmVEQ3FWZWJMUjVlRmJ0dzVyOGdtWFBXY3p2YUlOeHkySnBucVluNnpuVlg2dzdWRm1Rdnl0SFlNeXNSZ3BWbG5SaXpoMllJQll5TGZtXzBrVQ?oc=5) · Nikkei Asia
- 2024-06-03 [California digital bank reaches $1 billion deposit mark in six months - American Banker](https://news.google.com/rss/articles/CBMipwFBVV95cUxQeE9LZ000T0dHMmtER005YURoMUIzYnNkSm55OWI1ODAwWnU1aG1lSDlSTFl1WlNrUGVhMEJXcS1Jc3RiUE5CQTBUczVNbTNIakdqNm54bFYzZlV2RlVkYm83bGZzUUl5VHdFYU45bVd6Tk5wVDBRUzM1WFAyb2o3WDd3UmZTTUVNeENNeHNJaHVLM2F0TnNlbm9abXNOaW4xRFNQenVTNA?oc=5) · American Banker
- 2023-12-05 [Manufacturers Bank Rebrands as SMBC MANUBANK - Business Wire](https://news.google.com/rss/articles/CBMiowFBVV95cUxOclBwdFJjVFU3TmlJYnA3U0pneVpaakowYXJrZWdTSHJ4NnRlLXhEZkpzYkNON1RIbW9tUXNpQWMzRW5xZ1p4OUt3TGRzUGtaa0laaGFPWUZFOGdPZ0szSmJMeVhyQmJmc0xvYzBHYk45dGhXT0tGbjFlejRaWG1Yek1JN1B1ZmJvXzd3T2didW9QaGxOd2Y5MlcwOHVtbC1kdldZ?oc=5) · Business Wire
- 2023-09-28 [Manufacturers Bank Announces Plans to Rebrand as SMBC MANUBANK - Business Wire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPMUM2a002MHdjSkVkemRoME9kbUMtWUdOWkhMdTVjbXEtYXM4WnhPc3hlc0lSMDJEZU4zWmMtR3k2elhUVDR3LVdvTHBQbE5GZkw5WHNQUWJSMmFsdkc3blhLcWxfY0tKY05PREI2RGRueHFDekRFUnlLQU5LLU9VRkRjMFdLekJRZWVHZUxSV01ieTc5QllVWVM3X3VGc0R4ckh0TWtoLUhCQmJyYVFILXg0V1g3di12R1BN?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18618 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/58.json (key "18618", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide