STATE STREET BANK AND TRUST COMPANY

QUINCY, IL | Small | Est. Jan. 1, 1890, midnight | FDIC #14857 | RSSD #352745 | FDIC
Latest Report: 2025-12-31

STATE STREET BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in QUINCY, IL, established in Jan. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $349M and total deposits of $306M. Profitability stands at 1.47% ROA and 16.36% ROE, with a net interest margin of 4.99%. The bank's CET1 capital ratio is 11.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.31%. FDIC Certificate #14857.

Assets

$349M

Deposits

$306M

Loans

$278M

Equity

$32M

Profitability

Return on Assets (ROA) 1.47%
Return on Equity (ROE) 16.36%
Net Interest Margin (NIM) 4.99%
Yield on Assets 6.49%
Cost of Funds 1.53%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.16%
Texas Ratio 0.31%
NPA Ratio 0.03%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 11.60%
Tier 1 Capital 11.60%
Total Capital Ratio 12.74%
Leverage Ratio 9.76%
Loan-to-Deposit 90.83%

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