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State Street Bank and Trust Company
Boston, MA·FDIC Cert #14·Charter: STATE·Est. 17920101.0·HC: STATE STREET CORP
Total Assets
$360.7B
Q4 2025
Return on Assets
0.83%
-0.00%Peer avg: 1.31%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
68.78%
Peer avg: 50.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
65
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.83%-0.00
ROE
10.62%-0.10
Efficiency
68.78%+0.77
Equity/Assets
0.00%+0.00
NPL Ratio
0.55%+0.05
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
16.67%+0.36
Charge-offs
0.08%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.8 | 0.8 | 0.8 | 0.8 | 0.8 | 0.8 | 0.8 |
| ROE | 8.3 | 9.7 | 10.0 | 10.4 | 10.6 | 10.1 | 10.7 | 10.6 |
| Efficiency | 75.0 | 70.8 | 69.3 | 68.8 | 69.0 | 69.5 | 68.0 | 68.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.5 | 0.5 | 0.4 | 0.5 | 0.4 | 0.5 | 0.6 |
| Charge-offs | 0.3 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 15.0 | 16.1 | 16.5 | 16.2 | 16.1 | 16.4 | 16.3 | 16.7 |
Balance Sheet
Total Assets$360.7B
Total Deposits$280.6B
Total Loans$46.8B
Total Equity$28.9B
Profitability
ROA0.83%
ROE10.62%
Efficiency Ratio68.78%
Net Income$3.0B
Risk & Asset Quality
NPL Ratio0.55%
Charge-off Rate0.08%
Loan/Deposit16.67%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans