State Street Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Street Bank and Trust Company of Boston, MA against its peer group of 18 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.23% | 1.19% | +0.04% | 53rd above |
| ROAE | 15.41% | 12.65% | +2.76% | 76th top |
| Net Interest Margin | 1.35% | 2.97% | -1.62% | 6th bottom |
| Efficiency Ratio | 61.56% | 53.09% | +8.47% | 12th bottom |
| PPNR / Avg Assets | 1.58% | 1.75% | -0.17% | 24th bottom |
| Yield on Earning Assets | 4.05% | 5.07% | -1.02% | 12th bottom |
| Cost of Funds | 2.44% | 2.21% | +0.23% | 35th below |
| Net Interest Spread | 1.43% | 2.41% | -0.98% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.56% | 0.94% | -0.38% | 76th top |
| NPA / Total Assets | 0.07% | 0.50% | -0.43% | 88th top |
| NCO / Avg Loans | 0.02% | 0.51% | -0.49% | 82nd top |
| ACL / Total Loans | 0.31% | 1.44% | -1.13% | 12th bottom |
| ACL / NPLs (Coverage) | 54.95% | 150.80% | -95.85% | 12th bottom |
| Texas Ratio | 1.42% | 6.84% | -5.42% | 88th top |
| Provision / NCO | 25.58% | 128.30% | -102.72% | 0th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.45% | 17.24% | +1.21% | 82nd top |
| Tier 1 Ratio | 18.45% | 17.27% | +1.18% | 82nd top |
| Total Capital Ratio | 18.94% | 18.25% | +0.69% | 76th top |
| Leverage Ratio | 5.85% | 8.93% | -3.08% | 0th bottom |
| Equity / Assets | 7.07% | 10.12% | -3.05% | 12th bottom |
| TCE / Tangible Assets | 5.08% | 8.17% | -3.09% | 0th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 16.05% | 62.58% | -46.53% | 94th top |
| Core Deposit Ratio | 69.32% | 83.82% | -14.50% | 18th bottom |
| Uninsured Deposit Ratio | 75.89% | 41.84% | +34.05% | 0th bottom |
| Wholesale Funding Ratio | 4.53% | 7.61% | -3.08% | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 10.98% | 13.63% | -2.65% | 76th top |
| Loan Growth (Y/Y) | 10.27% | 16.21% | -5.94% | 47th below |
| Deposit Growth (Y/Y) | 12.86% | 11.25% | +1.61% | 76th top |
See State Street Bank and Trust Company's peers by name
The 18 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Street Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full State Street Bank and Trust Company profile, how to read a UBPR, or how this data updates.