State Street Bank and Trust Company (Boston, MA): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Tracing its history to 1792, State Street Bank and Trust Company has grown into one of the largest US commercial banks, with headquarters in Boston, MA, in the Greater Boston banking market. The Q2 2026 balance sheet stands at $412.6B in assets, including $52.4B in loans. Capital cushions are healthy: 18.45% CET1, 5.85% Tier 1 leverage. The bank posts a strong 1.23% ROA and 15.41% ROE. Credit metrics are in line with industry norms, 0.56% NPL ratio. It operates 3 branches, primarily in Massachusetts.
As of June 30, 2026, State Street Bank and Trust Company reported a CET1 capital ratio of 18.45%, a return on assets of 1.23%, a nonperforming-loan ratio of 0.56%, a Texas ratio of 1.42%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- One Congress Street, Boston, MA 02114
- County
- Suffolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1792
- Former names
- Second Bank-State Street Trust Company (1955-1960)
- Offices
- 3 domestic
- Employees (FTE)
- 48,653
- Domestic deposits
- $242.09B
- Allowance for credit losses
- $161.0M
- Net charge-offs (YTD)
- $43.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 14
- Fed RSSD
- 35301
- SEC CIK
- 93751 → filed by STATE STREET CORPORATION
- Website
- www.statestreet.com →
- Parent Holding Company
- STATE STREET CORPORATION (RSSD 1111435) · STT
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| O Hanley Ronald P | CEO | Chairman, CEO and President |
| Woods John F | CFO | EVP and CFO |
| Fogarty Ann | COO | EVP and COO |
| Hu W. Bradford | CRO | EVP and Chief Risk Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full State Street Bank and Trust Company terminal
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Unlock State Street Bank and Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
State Street Bank and Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for State Street Bank and Trust Company: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.45% | 1.23% | 0.56% | 1.42% | 1.35% |
| Q1 2026 | 17.74% | 0.88% | 0.57% | 1.40% | 1.31% |
| Q4 2025 | 18.56% | 0.88% | 0.69% | 1.60% | 1.29% |
| Q3 2025 | 18.46% | 1.02% | 0.50% | 1.13% | 1.18% |
| Q2 2025 | 18.07% | 0.80% | 0.40% | 0.93% | 1.14% |
| Q1 2025 | 17.98% | 0.88% | 0.51% | 1.15% | 1.09% |
| Q4 2024 | 17.85% | 0.99% | 0.44% | 1.00% | 1.21% |
| Q3 2024 | 17.76% | 0.90% | 0.46% | 1.02% | 1.18% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| State Street Bank and Trust Company (main office) | Boston , MA | 02114 | $242.09B |
| State Street Bank and Trust Company - Kansas City, Missouri Branch | Kansas City , MO | 64108 | $0 |
| State Street Bank and Trust Company - New Jersey Branch | Jersey City , NJ | 07310 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 2, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 2007 | Structure Change | Acquired Investors Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2000 | Structure Change | Acquired Investors Fiduciary Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 23, 1999 | Structure Change | Acquired State Street Brokerage Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 17, 1961 | Structure Change | Acquired Rockland-Atlas National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for State Street Bank and Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 37.5% of deposits in MA, rank 1 of 120 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 9 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q2 to 2026-Q2. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about State Street Bank and Trust Company
What are State Street Bank and Trust Company's total assets?
As of the Q2 2026 filing, State Street Bank and Trust Company reported total assets of $412.62 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is State Street Bank and Trust Company headquartered?
State Street Bank and Trust Company is headquartered in Boston, MA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was State Street Bank and Trust Company founded?
State Street Bank and Trust Company was established in 1792, per the FDIC institution directory.
Is State Street Bank and Trust Company FDIC-insured?
Yes. State Street Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #14). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Street Bank and Trust Company?
State Street Bank and Trust Company's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is State Street Bank and Trust Company's CET1 capital ratio?
State Street Bank and Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 18.45% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does State Street Bank and Trust Company operate?
State Street Bank and Trust Company operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Street Bank and Trust Company's Texas Ratio?
State Street Bank and Trust Company's Texas Ratio is 1.42% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was State Street Bank and Trust Company previously called?
The charter now named State Street Bank and Trust Company has also operated as Second Bank-State Street Trust Company (1955-1960), per FDIC structure-change records.
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