Bank Comparison
State Street Bank and Trust Company vs Northern Trust Company, the
Top US custody banks compared.
vs
12 · 12
winning metrics across 24 comparable rows
Capital adequacy
| Metric | State Street Bank and Trust Company | Northern Trust Company, the |
|---|---|---|
| CET1 Ratio | 14.70% | 11.63% |
| Tier 1 Capital Ratio | 14.70% | 11.63% |
| Total Capital Ratio | 15.21% | 13.75% |
| Tier 1 Leverage Ratio | 5.95% | 6.51% |
| Equity / Assets | 7.43% | 6.64% |
Profitability
| Metric | State Street Bank and Trust Company | Northern Trust Company, the |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 1.24% |
| Return on Equity (ROE) | 10.55% | 17.76% |
| Net Interest Margin (NIM) | 1.31% | 1.72% |
| Yield on Earning Assets | 3.89% | 5.84% |
| Cost of Funds | 2.27% | 3.98% |
Asset quality
| Metric | State Street Bank and Trust Company | Northern Trust Company, the |
|---|---|---|
| Texas Ratio | 1.40% | 0.99% |
| Non-Performing Loan Ratio | 0.57% | 0.16% |
| Non-Performing Asset Ratio | 0.07% | 0.04% |
| Net Charge-Off Ratio | 0.36% | 0.00% |
| ACL / Loans | 0.34% | 0.38% |
Balance sheet
| Metric | State Street Bank and Trust Company | Northern Trust Company, the |
|---|---|---|
| Total Assets | $386,546M | $173,842M |
| Total Deposits | $299,560M | $142,285M |
| Total Loans | $49,368M | $42,505M |
| Total Equity | $28,711M | $11,546M |
| Net Income (quarter) | $760,000K | $509,573K |
Liquidity & funding
| Metric | State Street Bank and Trust Company | Northern Trust Company, the |
|---|---|---|
| Loan-to-Deposit Ratio | 16.48% | 29.87% |
| Core Deposit Ratio | 72.10% | 33.95% |
| Uninsured Deposit Ratio | 73.22% | 29.22% |
Identity
| Metric | State Street Bank and Trust Company | Northern Trust Company, the |
|---|---|---|
| Headquarters City | BOSTON | CHICAGO |
| Headquarters State | MA | IL |
| Asset Tier | National | National |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 3 | 67 |
| Employees (FTE) | 49,446 | 23,432 |
| Established | Jan. 1, 1792, midnight | Jan. 1, 1889, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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