State Street Bank and Trust Company, N.A.: 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 Common equity Tier 1 ratio: 5.08 percentage points lower than in Q1 2026, at 343.56%. State Street Bank and Trust Company, N.A.'s CET1 ratio of 343.56% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 323.99 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 343.56% |
| Tier 1 risk-based capital ratio | 343.56% |
| Total risk-based capital ratio | 343.56% |
| Tier 1 leverage ratio | 101.58% |
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 | $63.9M |
| Tier 1 capital | $63.9M |
| Total risk-based capital | $63.9M |
| Total equity capital | $63.9M |
| Risk-weighted assets | $18.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 98.10% |
| Tangible equity to tangible assets | 98.10% |
| Equity capital to average assets | 101.58% |
| Internal capital growth rate | 11.16% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $2.8M |
| Retained earnings | $60.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
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 | 193.27% | 193.27% | 193.27% | 100.43% | $25.3M |
| Q4 2023 | 151.00% | 151.00% | 151.00% | 77.81% | $25.2M |
| Q1 2024 | 268.70% | 268.70% | 268.70% | 100.06% | $14.6M |
| Q2 2024 | 230.55% | 230.55% | 230.55% | 101.98% | $17.8M |
| Q3 2024 | 206.78% | 206.78% | 206.78% | 101.52% | $20.8M |
| Q4 2024 | 277.09% | 277.09% | 277.09% | 101.94% | $16.3M |
| Q1 2025 | 309.65% | 309.65% | 309.65% | 100.20% | $15.0M |
| Q2 2025 | 285.59% | 285.59% | 285.59% | 100.14% | $20.0M |
| Q3 2025 | 366.06% | 366.06% | 366.06% | 100.92% | $16.0M |
| Q4 2025 | 359.12% | 359.12% | 359.12% | 100.88% | $16.8M |
| Q1 2026 | 348.64% | 348.64% | 348.64% | 100.87% | $17.8M |
| Q2 2026 | 343.56% | 343.56% | 343.56% | 101.58% | $18.6M |
State Street Bank and Trust Company, N.A. 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, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24938) · FFIEC NIC profile (RSSD 93619)