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State Street Bank and Trust Company: Efficiency Ratio

61.56% Ranks #2,005 of 3,644 U.S. banks · 45th percentile

Data as of · sourced from FFIEC call reports. How we update

State Street Bank and Trust Company reported a efficiency ratio of 61.56% as of Q2 2026, ranking #2,005 of 3,644 U.S. banks (45th percentile). The efficiency ratio measures non-interest operating expense against net revenue. A lower ratio means the bank converts more of each revenue dollar into pre-tax income.

12-Quarter Trend

Q3 2023 Latest
Q2 2026 61.56%
Q1 2026 71.03%
Q4 2025 70.96%
Q3 2025 65.17%
Q2 2025 69.92%
Q1 2025 68.96%
Q4 2024 67.19%
Q3 2024 66.33%
Q2 2024 66.61%
Q1 2024 74.96%
Q4 2023 88.19%
Q3 2023 67.44%

National Context

Latest value 61.56%
National rank#2,005 of 3,644
Percentile 45th
12-quarter low61.56%
12-quarter high88.19%
Full rankingView leaderboard

What is the Efficiency Ratio?

The Efficiency Ratio measures non-interest operating expense against net revenue (net interest income + non-interest income). It answers: how many cents of operating cost does the bank spend to generate each dollar of revenue?

Most US community banks report efficiency ratios between 55% and 70%. Below 55% is excellent. Above 75% suggests structural expense issues: possibly over-branched, over-staffed, or sub-scale relative to revenue.

Full definition & formula →

Frequently asked questions

What is State Street Bank and Trust Company's Efficiency Ratio?

State Street Bank and Trust Company's Efficiency Ratio was 61.56% as of Q2 2026, ranking #2005 of 3,644 U.S. banks.

What is the Efficiency Ratio?

The Efficiency Ratio measures non-interest operating expense against net revenue (net interest income + non-interest income). It answers: how many cents of operating cost does the bank spend to generate each dollar of revenue?

Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full State Street Bank and Trust Company profile or how this data updates. The figures come from the bank's call report.

Regulator records: FDIC BankFind (cert 14) · FFIEC NIC profile (RSSD 35301)