State Street Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 24.3% in Q2 2026, from $74.0M to $92.0M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, State Street Bank and Trust Company is 2nd from the bottom among 89 Massachusetts banks, 16.05% (Q2 2026). Against a median of 61.69% for banks in the >= $250B asset tier, State Street Bank and Trust Company reported 16.05% on loan-to-deposit ratio in Q2 2026, 45.63 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $52.37B |
| Net loans and leases | $52.21B |
| Loans held for sale | $92.0M |
| Loans to total assets | 12.69% |
| Loan-to-deposit ratio | 16.05% |
| Net loans to equity capital | 1.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.49% |
| Multifamily (5+ residential) | 1.88% |
| Commercial and industrial | 2.53% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 16.45% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $578.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $35.66B | $218.32B | 5.52% | 9.29% | 0.00% |
| Q4 2023 | $36.85B | $227.07B | 5.21% | 9.46% | 0.00% |
| Q1 2024 | $38.81B | $258.58B | 4.82% | 9.25% | 0.00% |
| Q2 2024 | $39.55B | $244.62B | 4.47% | 8.52% | 0.00% |
| Q3 2024 | $42.14B | $254.43B | 4.20% | 8.90% | 0.00% |
| Q4 2024 | $43.37B | $266.94B | 4.05% | 8.66% | 0.00% |
| Q1 2025 | $44.86B | $277.92B | 3.59% | 8.45% | 0.00% |
| Q2 2025 | $47.49B | $289.08B | 3.17% | 8.38% | 0.00% |
| Q3 2025 | $46.83B | $286.03B | 3.21% | 8.30% | 0.00% |
| Q4 2025 | $46.96B | $280.58B | 3.16% | 5.67% | 0.00% |
| Q1 2026 | $49.37B | $299.56B | 2.68% | 4.50% | 0.00% |
| Q2 2026 | $52.37B | $326.25B | 2.49% | 2.53% | 0.00% |
State Street Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Street Bank and Trust Company, freeSource: Call Report Schedule RC-C, 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)