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
| 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
| 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
| 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
| 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
| 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 by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-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
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 14) · FFIEC NIC profile (RSSD 35301)