BlastPoint's Banking Scorecard
State Street Bank and Trust Company
Boston, MA
3 branches across MA · MO · NJ
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 18 banks in the $250B+ peer group nationwide — 1 of 1 in MA.
- Deposits +12.9% year over year ($326.2B on the books).
- Delinquency rate 0.56%.
- Return on assets 0.97%.
- Efficiency ratio 66.12% vs a 52.80% peer average.
- Loan-to-deposit ratio 16.00% vs a 59.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Street Bank and Trust Company has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 0.1% in tier
- + Non-Interest Income / Assets 0.72% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.1% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Net Interest Margin 1.71% below tier average
- - ROA 0.20% below tier average
- - Efficiency Ratio 13.33% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$412.6B
+11.0% YoY
+6.7% QoQ
|
-$523.7B |
$936.3B
-15.8% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$52.2B
+10.3% YoY
+6.1% QoQ
|
-$357.3B |
$409.5B
-13.1% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.1% in tier |
| Total Deposits ? |
$326.2B
+12.9% YoY
+8.9% QoQ
|
-$387.0B |
$713.2B
-15.8% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
0.97%
+23.1% YoY
+19.2% QoQ
|
-0.20% |
1.17%
+26.8% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
17% |
| Net Interest Margin ? |
1.24%
+15.3% YoY
-0.4% QoQ
|
-1.71% |
2.94%
-1.8% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 5.6% in tier |
| Efficiency Ratio ? |
66.12%
-4.8% YoY
-6.9% QoQ
|
+13.33% |
52.80%
-5.4% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
0.56%
+38.3% YoY
+27.8% QoQ
|
-0.22% |
0.78%
-21.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
16.00%
-2.2% YoY
-2.6% QoQ
|
-43.04% |
59.04%
+5.5% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
Top 5.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.35%
+19.1% YoY
+7.7% QoQ
|
-1.95% |
16.30%
-11.5% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.07%
+37.5% YoY
+27.1% QoQ
|
-0.35% |
0.42%
-12.7% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
Top 11.1% in tier |
| Tier 1 Capital Ratio ? |
14.72%
-3.1% YoY
+0.1% QoQ
|
-0.49% |
15.20%
+5.2% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
1.36%
+1.1% YoY
+95.2% QoQ
|
+0.72% |
0.64%
-10.8% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
Top 5.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
14.3%
+2.3pp YoY +1.0pp QoQ |
-2.0pp | 16.3% | 16.2% | 22.2% | 33% |
| Brokered Deposits |
4.5%
-0.6pp YoY -0.6pp QoQ |
-2.4pp | 7.0% | 6.1% | 8.5% | 61% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.5%
-5.9pp YoY -2.0pp QoQ |
-17.0pp | 19.6% | 6.5% | 12.5% | 0% |
| CRE | n/a | n/a | 12.2% | 40.3% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 20.6% | 52.4% | 31.3% | n/a |
| Consumer | n/a | n/a | 16.9% | 1.6% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.7%
-0.5pp YoY 0.0pp QoQ |
-0.5pp | 15.2% | 16.6% | 19.7% | 61% |
| Leverage Ratio |
5.8%
-0.2pp YoY -0.1pp QoQ |
-2.9pp | 8.8% | 11.5% | 12.6% | 0% |
| Total Capital Ratio |
15.2%
-0.5pp YoY 0.0pp QoQ |
-1.1pp | 16.3% | 17.5% | 20.8% | 61% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
48,653
-1364 (-2.7%) YoY -793 (-1.6%) QoQ |
-14,906 | 63,559 | 755 | 482 | 56% |
| Assets per Employee ($) |
$8.5M
+14.1% YoY +8.5% QoQ |
-$52.6M | $61.1M | $10.7M | $8.8M | 6% |
| Branch Count |
3
0 YoY 0 QoQ |
-1,405 | 1,407 | 13 | 18 | 17% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.6%
+0.2pp YoY +0.1pp QoQ |
0.0pp | 0.6% | 0.8% | 1.0% | 39% |
| Allowance Coverage |
0.55x
-41.1% YoY -29.4% QoQ |
-1.59x | 2.14x | 7.95x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
0.2%
0.0pp YoY -0.2pp QoQ |
-0.4pp | 0.5% | 0.1% | 0.2% | 18% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.0%
+2.8pp YoY +2.4pp QoQ |
+0.5pp | 12.4% | 5.6% | 11.6% | 56% |
| Cost of Funds (YTD) |
2.5%
-0.7pp YoY 0.0pp QoQ |
+0.3pp | 2.2% | 2.0% | 1.7% | 61% |
| Net Income ($, YTD) |
$1.9B
+31.1% YoY — QoQ |
-$4.0B | $5.9B | $31.7M | $40.4M | 33% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.