Home > State Street Bank and Trust Company > Performance and Condition Ratios
State Street Bank and Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2288% | 4,460 |
| Cost of funding earning assets | 0.0000% | 4,397 |
| Net interest margin | 2.2288% | 4,203 |
| Noninterest income to average assets | 46.8600% | 52 |
| Noninterest expense to average assets | 33.3405% | 59 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 11.7205% | 40 |
| Return on assets (ROA) | 11.7205% | 40 |
| Pretax return on assets | 15.3627% | 38 |
| Return on Equity (ROE) | 11.8600% | 1,787 |
| Retained earnings to average equity (ytd only) | 11.8644% | 815 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 68.4565% | 1,994 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,373 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,354 |
| Net loans and leases to deposits | 0.0000% | 4,363 |
| Net loans and leases to core deposits | 0.0000% | 4,352 |
| Total domestic deposits to total assets | 0.0000% | 4,428 |
| Equity capital to assets | 99.0999% | 48 |
| Core capital (leverage) ratio | 100.1962% | 7 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 309.6501% | 28 |
| Memoranda: | ||
| Average total assets | $46,346,000 | 4,240 |
| Average earning assets | $38,227,500 | 4,256 |
| Average equity | $45,784,000 | 1,867 |
| Average total loans | $0 | 4,354 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9286% | 4,462 |
| Cost of funding earning assets | 0.0000% | 4,414 |
| Net interest margin | 2.9286% | 3,270 |
| Noninterest income to average assets | 52.5600% | 51 |
| Noninterest expense to average assets | 31.6629% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 16.9376% | 30 |
| Return on assets (ROA) | 16.9376% | 31 |
| Pretax return on assets | 22.8901% | 30 |
| Return on Equity (ROE) | 17.2000% | 650 |
| Retained earnings to average equity (ytd only) | 17.2011% | 84 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 58.0406% | 3,356 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,399 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,378 |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0000% | 4,400 |
| Total domestic deposits to total assets | 0.0000% | 4,451 |
| Equity capital to assets | 98.4675% | 56 |
| Core capital (leverage) ratio | 101.9437% | 6 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 277.0918% | 30 |
| Memoranda: | ||
| Average total assets | $41,948,200 | 4,289 |
| Average earning assets | $28,580,600 | 4,329 |
| Average equity | $41,305,400 | 1,934 |
| Average total loans | $0 | 4,379 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0999% | 4,490 |
| Cost of funding earning assets | 0.0000% | 4,453 |
| Net interest margin | 3.0999% | 2,894 |
| Noninterest income to average assets | 53.5900% | 49 |
| Noninterest expense to average assets | 33.4761% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 16.2858% | 29 |
| Return on assets (ROA) | 16.2858% | 30 |
| Pretax return on assets | 22.1222% | 29 |
| Return on Equity (ROE) | 16.5400% | 747 |
| Retained earnings to average equity (ytd only) | 16.5393% | 187 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 60.2106% | 3,138 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,432 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 0.0000% | 4,409 |
| Net loans and leases to deposits | 0.0000% | 4,418 |
| Net loans and leases to core deposits | 0.0000% | 4,405 |
| Total domestic deposits to total assets | 0.0000% | 4,481 |
| Equity capital to assets | 98.4322% | 50 |
| Core capital (leverage) ratio | 101.5202% | 5 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 206.7795% | 37 |
| Memoranda: | ||
| Average total assets | $40,983,500 | 4,319 |
| Average earning assets | $26,537,750 | 4,373 |
| Average equity | $40,355,500 | 1,974 |
| Average total loans | $0 | 4,410 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4838% | 4,476 |
| Cost of funding earning assets | 0.0000% | 4,491 |
| Net interest margin | 3.4838% | 1,928 |
| Noninterest income to average assets | 57.0000% | 45 |
| Noninterest expense to average assets | 40.9778% | 54 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 13.3909% | 34 |
| Return on assets (ROA) | 13.3909% | 35 |
| Pretax return on assets | 18.1501% | 35 |
| Return on Equity (ROE) | 13.6000% | 1,218 |
| Retained earnings to average equity (ytd only) | 13.5965% | 542 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 69.3037% | 2,233 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,440 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | 0.0000% | 4,457 |
| Net loans and leases to core deposits | 0.0000% | 4,479 |
| Total domestic deposits to total assets | 0.0000% | 4,526 |
| Equity capital to assets | 98.9405% | 51 |
| Core capital (leverage) ratio | 100.0636% | 6 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 268.7034% | 33 |
| Memoranda: | ||
| Average total assets | $39,250,500 | 4,383 |
| Average earning assets | $23,997,000 | 4,437 |
| Average equity | $38,657,000 | 1,999 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7349% | 4,550 |
| Cost of funding earning assets | 0.0892% | 4,485 |
| Net interest margin | 2.6457% | 3,903 |
| Noninterest income to average assets | 45.7100% | 56 |
| Noninterest expense to average assets | 26.8071% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 15.2485% | 33 |
| Return on assets (ROA) | 15.2485% | 34 |
| Pretax return on assets | 20.6573% | 32 |
| Return on Equity (ROE) | 15.5400% | 1,187 |
| Retained earnings to average equity (ytd only) | 15.5405% | 291 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.4784% | 3,446 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 98.0240% | 55 |
| Core capital (leverage) ratio | 77.8099% | 58 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 150.9974% | 53 |
| Memoranda: | ||
| Average total assets | $45,611,000 | 4,350 |
| Average earning assets | $30,275,000 | 4,416 |
| Average equity | $44,754,000 | 1,741 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5007% | 4,577 |
| Cost of funding earning assets | 0.1070% | 4,505 |
| Net interest margin | 2.3937% | 4,234 |
| Noninterest income to average assets | 43.0900% | 55 |
| Noninterest expense to average assets | 24.8193% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 14.6397% | 33 |
| Return on assets (ROA) | 14.6397% | 33 |
| Pretax return on assets | 19.9704% | 31 |
| Return on Equity (ROE) | 14.9200% | 1,455 |
| Retained earnings to average equity (ytd only) | 14.9170% | 567 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 55.4130% | 3,452 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 0.0000% | 4,578 |
| Equity capital to assets | 98.2376% | 55 |
| Core capital (leverage) ratio | 100.4289% | 8 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 193.2746% | 47 |
| Memoranda: | ||
| Average total assets | $47,322,250 | 4,355 |
| Average earning assets | $33,642,750 | 4,413 |
| Average equity | $46,442,500 | 1,683 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4021% | 4,616 |
| Cost of funding earning assets | 0.1555% | 4,469 |
| Net interest margin | 2.2466% | 4,392 |
| Noninterest income to average assets | 41.8900% | 56 |
| Noninterest expense to average assets | 23.1534% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 14.9624% | 33 |
| Return on assets (ROA) | 14.9624% | 33 |
| Pretax return on assets | 20.4130% | 30 |
| Return on Equity (ROE) | 15.2500% | 1,421 |
| Retained earnings to average equity (ytd only) | 15.2512% | 539 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.1451% | 3,681 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 98.4387% | 52 |
| Core capital (leverage) ratio | 100.5708% | 8 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 220.4931% | 38 |
| Memoranda: | ||
| Average total assets | $46,490,000 | 4,378 |
| Average earning assets | $34,719,667 | 4,428 |
| Average equity | $45,609,667 | 1,706 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2480% | 4,649 |
| Cost of funding earning assets | 0.3035% | 4,191 |
| Net interest margin | 1.9445% | 4,578 |
| Noninterest income to average assets | 40.9700% | 56 |
| Noninterest expense to average assets | 17.1174% | 74 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 18.5936% | 26 |
| Return on assets (ROA) | 18.5936% | 27 |
| Pretax return on assets | 25.3685% | 24 |
| Return on Equity (ROE) | 18.9600% | 893 |
| Retained earnings to average equity (ytd only) | 18.9629% | 441 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.2896% | 4,442 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 0.0000% | 4,642 |
| Equity capital to assets | 97.6119% | 10 |
| Core capital (leverage) ratio | 100.5900% | 6 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 255.2513% | 30 |
| Memoranda: | ||
| Average total assets | $45,521,000 | 4,453 |
| Average earning assets | $35,587,000 | 4,488 |
| Average equity | $44,634,500 | 1,749 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8789% | 4,690 |
| Cost of funding earning assets | 0.0000% | 4,648 |
| Net interest margin | 0.8789% | 4,684 |
| Noninterest income to average assets | 51.1900% | 47 |
| Noninterest expense to average assets | 27.5321% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 17.9596% | 29 |
| Return on assets (ROA) | 17.9596% | 30 |
| Pretax return on assets | 24.3479% | 28 |
| Return on Equity (ROE) | 18.3000% | 658 |
| Retained earnings to average equity (ytd only) | 18.2974% | 127 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.0688% | 3,876 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 0.0000% | 4,674 |
| Equity capital to assets | 98.5224% | 8 |
| Core capital (leverage) ratio | 100.3746% | 6 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 274.9604% | 32 |
| Memoranda: | ||
| Average total assets | $40,323,800 | 4,528 |
| Average earning assets | $31,856,600 | 4,555 |
| Average equity | $39,579,400 | 1,927 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5240% | 4,735 |
| Cost of funding earning assets | 0.0000% | 4,686 |
| Net interest margin | 0.5240% | 4,734 |
| Noninterest income to average assets | 52.6300% | 45 |
| Noninterest expense to average assets | 27.2584% | 62 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 18.8639% | 27 |
| Return on assets (ROA) | 18.8639% | 28 |
| Pretax return on assets | 25.7893% | 25 |
| Return on Equity (ROE) | 19.2400% | 509 |
| Retained earnings to average equity (ytd only) | 19.2389% | 126 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.3846% | 4,051 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 0.0000% | 4,716 |
| Equity capital to assets | 98.1517% | 10 |
| Core capital (leverage) ratio | 102.0763% | 4 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 267.6263% | 33 |
| Memoranda: | ||
| Average total assets | $39,390,000 | 4,568 |
| Average earning assets | $31,042,250 | 4,597 |
| Average equity | $38,622,250 | 1,998 |
| Average total loans | $0 | 4,681 |