State Street Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Street Bank and Trust Company of Quincy, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.62% | 1.34% | +1.28% | 95th top |
| ROAE | 28.89% | 13.31% | +15.58% | 97th top |
| Net Interest Margin | 4.89% | 3.93% | +0.96% | 90th top |
| Efficiency Ratio | 51.60% | 61.14% | -9.54% | 77th top |
| PPNR / Avg Assets | 2.85% | 1.68% | +1.17% | 94th top |
| Yield on Earning Assets | 6.15% | 5.67% | +0.48% | 75th top |
| Cost of Funds | 1.38% | 1.88% | -0.50% | 76th top |
| Net Interest Spread | 4.25% | 3.32% | +0.93% | 91st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.94% | -0.89% | 79th top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 80th top |
| NCO / Avg Loans | 0.17% | 0.16% | +0.01% | 14th bottom |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 47th below |
| ACL / NPLs (Coverage) | 2531.30% | 1538.30% | +993.00% | — |
| Texas Ratio | 3.05% | 7.33% | -4.28% | 53rd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 208.97% | 1396.11% | -1187.14% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.01% | 19.51% | -7.50% | 18th bottom |
| Tier 1 Ratio | 12.01% | 19.54% | -7.53% | 17th bottom |
| Total Capital Ratio | 13.18% | 20.63% | -7.45% | 18th bottom |
| Leverage Ratio | 9.99% | 12.14% | -2.15% | 31st below |
| Equity / Assets | 9.39% | 11.38% | -1.99% | 34th below |
| TCE / Tangible Assets | 9.32% | 11.09% | -1.77% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.82% | 80.63% | +9.19% | 29th below |
| Core Deposit Ratio | 95.54% | 86.86% | +8.68% | 87th top |
| Wholesale Funding Ratio | 1.76% | 5.03% | -3.27% | 72nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.73% | 6.85% | -0.12% | 67th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.35% | 7.90% | -1.55% | 56th above |
| Deposit Growth (Y/Y) | 6.65% | 6.29% | +0.36% | 68th above |
See State Street Bank and Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Street Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full State Street Bank and Trust Company profile, how to read a UBPR, or how this data updates.