State Street Bank and Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 17.4% higher than in Q1 2026, at -$2.6M. Within Illinois, State Street Bank and Trust Company is 157th of 198 on CET1 ratio, 12.01% as of Q2 2026, below the middle of the field. State Street Bank and Trust Company reported 12.01% on CET1 ratio for Q2 2026, 3.06 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.01% |
| Tier 1 risk-based capital ratio | 12.01% |
| Total risk-based capital ratio | 13.18% |
| Tier 1 leverage ratio | 9.99% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $35.8M |
| Tier 1 capital | $35.8M |
| Total risk-based capital | $39.3M |
| Total equity capital | $33.5M |
| Risk-weighted assets | $298.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.39% |
| Tangible equity to tangible assets | 9.32% |
| Equity capital to average assets | 9.33% |
| Internal capital growth rate | 17.75% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $1.2M |
| Retained earnings | $34.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.81% | 10.81% | 12.04% | 8.91% | $254.7M |
| Q4 2023 | 10.97% | 10.97% | 12.18% | 9.03% | $257.4M |
| Q1 2024 | 11.07% | 11.07% | 12.32% | 8.95% | $255.4M |
| Q2 2024 | 10.94% | 10.94% | 12.19% | 9.04% | $261.6M |
| Q3 2024 | 11.10% | 11.10% | 12.32% | 9.05% | $265.8M |
| Q4 2024 | 11.34% | 11.34% | 12.55% | 9.22% | $268.6M |
| Q1 2025 | 11.21% | 11.21% | 12.42% | 9.15% | $273.3M |
| Q2 2025 | 11.42% | 11.42% | 12.63% | 9.42% | $280.1M |
| Q3 2025 | 11.68% | 11.68% | 12.83% | 9.70% | $285.5M |
| Q4 2025 | 11.60% | 11.60% | 12.74% | 9.76% | $293.5M |
| Q1 2026 | 11.63% | 11.63% | 12.81% | 9.73% | $296.1M |
| Q2 2026 | 12.01% | 12.01% | 13.18% | 9.99% | $298.4M |
State Street Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock State Street Bank and Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full State Street Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14857) · FFIEC NIC profile (RSSD 352745)