State Street Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1511.91 percentage points higher than in Q1 2026, at 2531.30%. On return on assets, State Street Bank and Trust Company ranks 9th highest among the 323 banks headquartered in Illinois, at 2.62% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, State Street Bank and Trust Company reported 2.62% on return on assets in Q2 2026, 1.36 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.01% |
| Tier 1 risk-based capital ratio | 12.01% |
| Total risk-based capital ratio | 13.18% |
| Tier 1 leverage ratio | 9.99% |
| Equity capital to assets | 9.39% |
| Tangible equity to tangible assets | 9.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 3.05% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 2531.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.62% |
| Return on equity | 28.89% |
| Net interest margin | 4.89% |
| Efficiency ratio | 51.60% |
| Yield on earning assets | 6.15% |
| Cost of funds | 1.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.82% |
| Core deposits to total deposits | 95.54% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.36% |
| Securities to assets | 14.26% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.81% | 10.81% | 12.04% | 8.91% | 1.52% |
| Q4 2023 | 10.97% | 10.97% | 12.18% | 9.03% | 1.26% |
| Q1 2024 | 11.07% | 11.07% | 12.32% | 8.95% | 1.45% |
| Q2 2024 | 10.94% | 10.94% | 12.19% | 9.04% | 1.89% |
| Q3 2024 | 11.10% | 11.10% | 12.32% | 9.05% | 1.70% |
| Q4 2024 | 11.34% | 11.34% | 12.55% | 9.22% | 1.74% |
| Q1 2025 | 11.21% | 11.21% | 12.42% | 9.15% | 1.81% |
| Q2 2025 | 11.42% | 11.42% | 12.63% | 9.42% | 1.97% |
| Q3 2025 | 11.68% | 11.68% | 12.83% | 9.70% | 2.20% |
| Q4 2025 | 11.60% | 11.60% | 12.74% | 9.76% | 1.45% |
| Q1 2026 | 11.63% | 11.63% | 12.81% | 9.73% | 2.12% |
| Q2 2026 | 12.01% | 12.01% | 13.18% | 9.99% | 2.62% |
State Street Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Street Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)