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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

SMBC Manubank

Los Angeles, California · $6.60B in assets · beside the 11 other California banks between $3B and $10B

The filing

-3.45%
ROA
11th of 11
16.5%
Efficiency
1st of 11
-40.2%
Loans, year over year
12th of 12, largest first

SMBC Manubank is the fourth largest of the 12 California banks nearest its size between $3B and $10B, with $6.60B in assets at 30 June 2026. Loans are 48.2% of deposits, 2nd of 12 against a median of 85.8%, and equity is 11.5% of assets, 5th of 11. Loans grew -40.2% in the year, the slowest in the cohort, and deposits fell 0.1%; the cohort's median loan growth is +3.6%.

Noncurrent loans are 0.30% of the book, 8th of 12 against a median of 0.22%; 0.11% is 30 to 89 days past due, and the allowance covers them 0.0 times. Net charge-offs are 4.97% of loans, the highest in the cohort. Commercial real estate is 42.1% of loans, 6th of 12 against a median of 44.8%, and 155% of capital, below the 300% screen, with construction at 47% against the 100% screen.

Return on assets is -3.45%, the lowest in the cohort against a median of 1.28%, on an efficiency ratio of 16.5%, the lowest in the cohort. Five years ago it was 0.24%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Return on assetsCA banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.28% Bo Bank of Stockton 6.07% WB Westamerica Bank 1.81% FM Farmers & Merchants Bank Central California 1.73% PB Preferred Bank 1.68% FS Five Star Bank 1.57% HB Hanmi Bank 1.28% RC River City Bank 1.22% FB Fremont Bank 1.16% CB CTBC Bank Corp. USA 0.90% CW Community West Bank 0.73% SM SMBC Manubank -3.45%
Loans, year over yearCA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.6% MT Mizrahi Tefahot Bank LTD +56.9% CW Community West Bank +47.7% FS Five Star Bank +20.3% PB Preferred Bank +9.3% RC River City Bank +7.3% Bo Bank of Stockton +4.1% FB Fremont Bank +3.1% HB Hanmi Bank +3.1% CB CTBC Bank Corp. USA +2.2% FM Farmers & Merchants Bank Central California +2.2% WB Westamerica Bank -10.6% SM SMBC Manubank -40.2%

SBA 7(a), FY2008 to FY2026

SMBC Manubank is the 73rd largest 7(a) lender into California of 512, with $149M across 206 loans, 0.2% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 6 of its 10 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$77M53rd of 3080.4%-0.1 pts
Orange, CA$36M44th of 2560.5%quiet FY2022
San Bernardino, CA$13M57th of 2130.4%-0.2 pts
San Diego, CA$11M62nd of 2380.2%-0.7 pts
Riverside, CA$5M78th of 2190.1%quiet FY2020
Contra Costa, CA$4M67th of 1540.3%thin
Ventura, CA$950K113th of 1590.1%quiet FY2017
Kern, CA$686K89th of 1290.1%quiet FY2021
Sacramento, CA$382K152nd of 1700.0%quiet FY2017
San Luis Obispo, CA$350K84th of 990.1%quiet FY2015
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing48$43M28.6%0.11%171st of 2,246
Accommodation & food services58$27M18.0%0.03%332nd of 2,596
Wholesale trade25$22M14.8%0.09%176th of 1,651
Retail trade13$11M7.3%0.02%458th of 2,589
Administrative & waste services5$9M6.2%0.06%211th of 1,763
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and SMBC Manubank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans SM SMBC Manubank 0.2% $149M · 206 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
SMBC ManubankRankCohort median
Total CRE against capital, the 300% screen155%3rd of 11217%
Construction against capital, the 100% screen47%10th of 1116%
Construction and land development, share of loans12.7%12th of 122.6%
Non-owner-occupied nonfarm nonresidential, share of loans22.6%2nd of 1135.4%
Total CRE, the guidance definition, share of loans42.1%6th of 1244.8%
CRE growth over 36 months, the third prong+0.5%4th of 12+9.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Hanmi Bank$7.95B1.3%51.1%0.15%0.12%1.1%94.1%11.2%
Preferred Bank$7.73B1.7%33.0%1.57%0.17%1.2%97.0%10.3%
Mizrahi Tefahot Bank LTD$7.39Bno recordno record0.12%no recordno record79.0%no record
SMBC Manubank$6.60B-3.4%16.5%0.30%4.97%0.0%48.2%11.5%
River City Bank$6.04B1.2%30.6%0.00%0.00%2.3%85.7%9.4%
Fremont Bank$5.97B1.2%73.4%0.39%0.01%1.6%90.6%7.8%
CTBC Bank Corp. USA$5.87B0.9%59.2%1.55%0.06%1.1%88.0%13.4%
Farmers & Merchants Bank Central California$5.83B1.7%44.3%0.13%0.01%2.1%72.7%11.8%
Westamerica Bank$5.77B1.8%42.5%0.12%0.14%1.6%14.0%10.5%
Five Star Bank$5.38B1.6%37.3%0.30%0.07%1.0%94.0%9.8%
Community West Bank$5.02B0.7%61.6%0.56%0.31%1.4%85.9%13.3%
Bank of Stockton$4.99B6.1%47.6%0.08%0.05%3.2%65.3%19.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
SMBC ManubankCohort median
20212026Change20212026Change
Loans$2.14B$2.68B+26%$2.30B$4.11B+79%
Deposits$3.14B$5.56B+77%$3.47B$5.06B+46%
NPA / loans0.13%0.30%+0.17 pts0.21%0.22%+0.01 pts
Efficiency81.3%16.5%-64.8 pts49.6%44.3%-5.3 pts
ROA0.24%-3.45%-3.68 pts1.39%1.28%-0.11 pts

This read was prepared for SMBC Manubank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on SMBC Manubank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $3B to $10B
Institution www.smbcmanubank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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