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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: 10.2% higher than in Q1 2026, at -$934.0M. State Street Bank and Trust Company ranks 9th of 59 Massachusetts banks on CET1 ratio, in the upper half at 18.45% (Q2 2026). State Street Bank and Trust Company reported 18.45% on CET1 ratio for Q2 2026, 3.33 points above the 15.13% median for banks in the >= $250B asset tier.

Risk-based capital ratios

Risk-based capital ratios for State Street Bank and Trust Company, Q2 2026
Line item Q2 2026
Common equity Tier 1 ratio 18.45%
Tier 1 risk-based capital ratio 18.45%
Total risk-based capital ratio 18.94%
Tier 1 leverage ratio 5.85%

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

Capital amounts for State Street Bank and Trust Company, Q2 2026
Line item Q2 2026
Common equity Tier 1 capital $20.62B
Tier 1 capital $20.62B
Total risk-based capital $21.32B
Total equity capital $29.17B
Risk-weighted assets $140.13B

Ratios recomputed from the amounts

Ratios recomputed from the amounts for State Street Bank and Trust Company, Q2 2026
Line item Q2 2026
Common equity Tier 1 capital / risk-weighted assets 14.72%
Tier 1 capital / risk-weighted assets 14.72%
Total risk-based capital / risk-weighted assets 15.21%

For this bank the reported ratios above do not equal the capital amounts divided by risk-weighted assets. Large banks can report risk-based capital under more than one regulatory approach, and the reported ratio and the risk-weighted assets shown here may come from different approaches. These rows divide the reported capital amounts by the reported risk-weighted assets. The lower of the two figures is the more conservative reading.

Capital adequacy

Capital adequacy for State Street Bank and Trust Company, Q2 2026
Line item Q2 2026
Equity capital to total assets 7.07%
Tangible equity to tangible assets 5.08%
Equity capital to average assets 8.08%
Internal capital growth rate 4.95%

Capital structure

Capital structure for State Street Bank and Trust Company, Q2 2026
Line item Q2 2026
Common stock $30.0M
Common stock surplus $13.30B
Retained earnings $16.77B
Preferred stock and surplus $0
Accumulated other comprehensive income -$934.0M
Subordinated notes and debentures $521.0M

Regulatory Capital trend

Last 12 quarters as filed. Every value plotted here also appears in the tables above.

Regulatory capital ratios
Risk-weighted assets
Equity to assets

Regulatory Capital by quarter

Values plotted above, State Street Bank and Trust Company, oldest first
Quarter CET1Tier 1 RBCTotal RBCTier 1 leverageRisk-weighted assets
Q3 2023 17.29% 17.29% 17.83% 6.78% $116.62B
Q4 2023 16.93% 16.93% 17.47% 6.33% $109.54B
Q1 2024 16.98% 16.98% 17.49% 6.18% $116.52B
Q2 2024 17.35% 17.35% 17.86% 6.13% $117.24B
Q3 2024 17.76% 17.76% 18.26% 6.21% $118.99B
Q4 2024 17.85% 17.85% 18.34% 6.09% $123.78B
Q1 2025 17.98% 17.98% 18.47% 6.04% $128.17B
Q2 2025 18.07% 18.07% 18.53% 6.04% $135.48B
Q3 2025 18.46% 18.46% 18.96% 6.22% $131.11B
Q4 2025 18.56% 18.56% 19.06% 6.15% $123.87B
Q1 2026 17.74% 17.74% 18.22% 5.95% $136.50B
Q2 2026 18.45% 18.45% 18.94% 5.85% $140.13B

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

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Source: 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 14) · FFIEC NIC profile (RSSD 35301)