Bank Safety Analysis
Is State Street Bank and Trust Company, N.A. Safe? New York, New York
Based on its Q2 2026 call report, State Street Bank and Trust Company, N.A. meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and FDIC deposit insurance does not apply to it.
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Short answer: is State Street Bank and Trust Company, N.A. safe?
On its Q2 2026 call report, State Street Bank and Trust Company, N.A.'s CET1 ratio is 343.58%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 343.58%
- Tier 1 leverage ratio (Q2 2026): 101.58%
- Texas ratio (Q2 2026): 0.00%
- Noncurrent loans ratio (Q2 2026): not reported
State Street Bank and Trust Company, N.A. is a non-insured non-depository trust company, so FDIC deposit insurance does not apply.
Source: the FFIEC call report State Street Bank and Trust Company, N.A. (FDIC Certificate #24938) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
State Street Bank and Trust Company, N.A. passes all 4 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The standout move of Q2 2026 was in return on assets: 3.77 percentage points lower than in Q1 2026, at 9.65%. State Street Bank and Trust Company, N.A.'s CET1 ratio of 343.58% is well above the 19.96% median for banks in the < $100M asset tier, a gap of 323.61 points (Q2 2026). From Q3 2023 to Q2 2026, State Street Bank and Trust Company, N.A.'s CET1 ratio ranged between 151.00% (Q4 2023) and 366.06% (Q3 2025) and its Texas ratio held at 0.00% in every quarter. Between Q2 2025 and Q2 2026, State Street Bank and Trust Company, N.A.'s CET1 ratio rose from 285.59% to 343.58%, Texas ratio held at 0.00% and return on assets fell from 11.18% to 9.65%.
Against the 578 banks with under $100M in assets for Q2 2026, State Street Bank and Trust Company, N.A.'s CET1 ratio of 343.58% is above the 19.96% median, Tier 1 leverage ratio of 101.58% is above the 12.62% median, Texas ratio of 0.00% is below the 2.09% median, and efficiency ratio of 67.11% is below the 69.61% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does State Street Bank and Trust Company, N.A. score on capital, credit and costs?
Peer cohort: Under $100M (583 banks) · Industry averages as of Q2 2026.
Median of the 578 banks with under $100M in assets, Q2 2026: 19.96%.
Median of the 578 banks with under $100M in assets, Q2 2026: 12.62%.
Median of the 578 banks with under $100M in assets, Q2 2026: 2.09%.
Median of the 578 banks with under $100M in assets, Q2 2026: 69.61%.
Does State Street Bank and Trust Company, N.A. trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 343.58% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Non-performing loan ratio BankRegReports band | — | Not reported |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | — | Not reported |
| Commercial real estate to capital supervisory threshold | 0.00% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 343.58% |
| Q1 2026 | 344.38% |
| Q4 2025 | 356.62% |
| Q3 2025 | 366.06% |
| Q2 2025 | 285.59% |
| Q1 2025 | 309.65% |
| Q4 2024 | 277.09% |
| Q3 2024 | 206.78% |
| Q2 2024 | 230.55% |
| Q1 2024 | 268.70% |
| Q4 2023 | 151.00% |
| Q3 2023 | 193.27% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
How have State Street Bank and Trust Company, N.A.'s safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Jun 30, 2026 | $65.2M | 343.58% | 101.58% | — | 0.00% | 67.11% |
| Mar 31, 2026 | $63.2M | 344.38% | 101.22% | — | 0.00% | 53.29% |
| Dec 31, 2025 | $60.8M | 356.62% | 101.07% | — | 0.00% | 62.31% |
| Sep 30, 2025 | $59.2M | 366.06% | 100.92% | — | 0.00% | 59.23% |
| Jun 30, 2025 | $57.9M | 285.59% | 100.14% | — | 0.00% | 63.34% |
| Mar 31, 2025 | $46.9M | 309.65% | 100.20% | — | 0.00% | 68.46% |
| Dec 31, 2024 | $45.8M | 277.09% | 101.94% | — | 0.00% | 51.64% |
| Sep 30, 2024 | $43.7M | 206.78% | 101.52% | — | 0.00% | 54.36% |
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Frequently asked
Is State Street Bank and Trust Company, N.A. well capitalized?
On its Q2 2026 call report, State Street Bank and Trust Company, N.A.'s CET1 ratio is 343.58%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are State Street Bank and Trust Company, N.A.'s key safety ratios?
For Q2 2026, State Street Bank and Trust Company, N.A. reports CET1 343.58%, leverage 101.58%, Texas ratio 0.00%, noncurrent loans not reported. Its Texas ratio compares with the 2.09% median for the 578 banks with under $100M in assets.
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Free to use. It shows State Street Bank and Trust Company, N.A.’s latest filed figures and updates each quarter.
Where does this data come from?
Not investment advice. See the full State Street Bank and Trust Company, N.A. profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (well-capitalized plus buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.