STATE STREET BANK AND TRUST COMPANY
STATE STREET BANK AND TRUST COMPANY is an FDIC-insured commercial bank headquartered in QUINCY, IL, established in 1890. As of , 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 4.67%. CET1 capital ratio: 11.60%, well above regulatory minimums. NPL ratio: 0.04% · Texas Ratio: 0.31%. Operates 3 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
State Street Bank and Trust Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.60% | 1.47% | 0.04% | 0.31% | 4.67% |
| 2025-09-30 | 11.68% | 2.25% | 0.04% | 0.35% | 4.53% |
| 2025-06-30 | 11.42% | 1.99% | 0.08% | 0.68% | 4.49% |
| 2025-03-31 | 11.21% | 1.83% | 0.11% | 1.02% | 4.08% |
| 2024-12-31 | 11.34% | 1.77% | 0.06% | 0.70% | 4.12% |
| 2024-09-30 | 11.10% | 1.71% | 0.06% | 0.72% | 3.99% |
| 2024-06-30 | 10.94% | 1.87% | 0.11% | 1.02% | 3.95% |
| 2024-03-31 | 11.07% | 1.44% | 0.08% | 0.72% | 3.76% |
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Frequently asked about STATE STREET BANK AND TRUST COMPANY
What are State Street Bank and Trust Company's total assets?
As of the Q4 2025 filing, State Street Bank and Trust Company reported total assets of $348.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is State Street Bank and Trust Company headquartered?
State Street Bank and Trust Company is headquartered in QUINCY, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was State Street Bank and Trust Company founded?
State Street Bank and Trust Company was established in 1890, per the FDIC institution directory.
Is State Street Bank and Trust Company FDIC-insured?
Yes. State Street Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #14857). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Street Bank and Trust Company?
State Street Bank and Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is State Street Bank and Trust Company's CET1 capital ratio?
State Street Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 11.60% in its most recent quarterly filing — above regulatory minimums.
How many branches does State Street Bank and Trust Company operate?
State Street Bank and Trust Company operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is State Street Bank and Trust Company's Texas Ratio?
State Street Bank and Trust Company's Texas Ratio is 0.31% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.