State Street Bank and Trust Company: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.18% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 5.18% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 12.01% +5.51 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $35.8M | 35,846 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $298.4M | 298,446 | RCOAA223 |
| Recomputed ratio | 12.01% | numerator / denominator | |
| Filed ratio | 12.01% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +5.51 pp | $16.4M | capital that could be lost first |
Tier 1 risk-based capital ratio 12.01% +4.01 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $35.8M | 35,846 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $298.4M | 298,446 | RCOAA223 |
| Recomputed ratio | 12.01% | numerator / denominator | |
| Filed ratio | 12.01% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +4.01 pp | $12.0M | capital that could be lost first |
Total risk-based capital ratio 13.18% +3.18 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $39.3M | 39,324 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $298.4M | 298,446 | RCOAA223 |
| Recomputed ratio | 13.18% | numerator / denominator | |
| Filed ratio | 13.18% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.18 pp | $9.5M | capital that could be lost first |
Tier 1 leverage ratio 9.99% +4.99 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $35.8M | 35,846 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $358.9M | 358,927 | RCOAA224 |
| Recomputed ratio | 9.99% | numerator / denominator | |
| Filed ratio | 9.99% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.99 pp | $17.9M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 1,500 | 1,500 | 1,500 | 1,500 | 1,500 | 1,500 | RCOAP742 |
| Retained earnings | 34,605 | 33,204 | 32,829 | 32,110 | 30,764 | 29,391 | RCOAKW00 |
| Accumulated other comprehensive income | (2,579) | (3,124) | (2,413) | (3,485) | (4,470) | (4,826) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 33,526 | 31,580 | 31,916 | 30,125 | 27,794 | 26,065 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 2,320 | 2,863 | 2,149 | 3,218 | 4,201 | 4,554 | P859 - P840 |
| Common equity Tier 1 capital | 35,846 | 34,443 | 34,065 | 33,343 | 31,995 | 30,619 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 35,846 | 34,443 | 34,065 | 33,343 | 31,995 | 30,619 | RCOA8274 |
| Tier 2 capital | 3,478 | 3,476 | 3,320 | 3,298 | 3,369 | 3,307 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,478 | 3,476 | 3,320 | 3,298 | 3,369 | 3,307 | RCOA5310 |
| Total capital | 39,324 | 37,919 | 37,385 | 36,641 | 35,364 | 33,926 | RCOA3792 |
| Total risk-weighted assets | 298,446 | 296,089 | 293,539 | 285,506 | 280,093 | 273,257 | RCOAA223 |
| Average total assets for the leverage ratio | 358,927 | 353,966 | 348,974 | 343,845 | 339,693 | 334,482 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $12.6M | $301K | 2.40% | 0.10% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $53.5M | $8.0M | 14.94% | 2.68% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $702K | $140K | 20.00% | 0.05% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $133.6M | $67.3M | 50.36% | 22.55% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $146K | $219K | 150.00% | 0.07% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $149.6M | $149.6M | 100.00% | 50.13% | RC-R Part II, item 4.d, 5.d |
| All other assets | $12.6M | $10.5M | 83.85% | 3.53% | RC-R Part II, item 8 |
| Securitization exposures at 1250% | $4.3M | $53.8M | 1250.00% | 18.04% | RC-R Part II, item 9, 10 |
| Off-balance-sheet commitments and letters of credit | $8.5M | $8.5M | 100.00% | 2.85% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $300 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $298.4M | ties to item 31 ($298.4M) |
|---|---|---|
| Risk-weighted assets before deductions | $298.4M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $298.4M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 12.01% | 12.01% | 13.18% | 9.99% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 11.63% | 11.63% | 12.81% | 9.73% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 11.60% | 11.60% | 12.74% | 9.76% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 11.68% | 11.68% | 12.83% | 9.70% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 11.42% | 11.42% | 12.63% | 9.42% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 11.21% | 11.21% | 12.42% | 9.15% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.34% | 11.34% | 12.55% | 9.22% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.10% | 11.10% | 12.32% | 9.05% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 10.94% | 10.94% | 12.19% | 9.04% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.07% | 11.07% | 12.32% | 8.95% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 10.97% | 10.97% | 12.18% | 9.03% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 10.81% | 10.81% | 12.04% | 8.91% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| State Street Bank and Trust Company (this bank) | Risk-based | 12.01% | 12.01% | 13.18% | 9.99% | |
| Rivers Edge Bank | $357.1M | Risk-based | 10.33% | 10.33% | 11.58% | 8.30% |
| Flint Community Bank | $357.1M | Risk-based | 12.72% | 12.72% | 13.97% | 9.06% |
| Murphy Bank | $357.2M | CBLR | NA | NA | NA | 14.89% |
| Citizens Bank | $357.4M | Risk-based | 15.12% | 15.12% | 16.37% | 13.10% |
| Commercial Bank & Trust of PA | $357.5M | Risk-based | 26.28% | 26.28% | 26.62% | 14.74% |
| Community Bank, Lexington, Tennessee | $357.5M | Risk-based | 13.18% | 13.18% | 14.19% | 10.64% |
| The First National Bank of Gordon | $357.5M | Risk-based | 36.48% | 36.48% | 37.74% | 14.09% |
| The Pauls Valley National Bank | $356.6M | Risk-based | 12.63% | 12.63% | 13.77% | 9.48% |
| MCNB Bank and Trust Co. | $356.5M | CBLR | NA | NA | NA | 12.29% |
| Premier Bank | $357.7M | Risk-based | 12.40% | 12.40% | 13.40% | 8.90% |
| Peer 25th percentile | 12.58% | 12.58% | 13.67% | 9.17% | ||
| Peer median | 12.95% | 12.95% | 14.08% | 11.47% | ||
| Peer 75th percentile | 17.91% | 17.91% | 18.93% | 13.84% | ||
| This bank's percentile | 12 | 12 | 12 | 40 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/352745/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.