BlastPoint's Banking Scorecard
State Street Bank and Trust Company
Boston, MA
3 branches across MA · MO · NJ
State Street Bank and Trust Company has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 50.0% in tier
- + Nonperforming Asset Ratio 0.43% below tier average
- + Non-Interest Income / Assets 0.35% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.81% below tier average
- - ROA 0.33% below tier average
- - Efficiency Ratio 15.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$386.5B
+5.0% YoY
+7.2% QoQ
|
-$620.6B |
$1,007.1B
-0.5% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
31% |
| Total Loans ? |
$49.2B
+10.1% YoY
+5.2% QoQ
|
-$387.0B |
$436.2B
+3.5% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.2% in tier |
| Total Deposits ? |
$299.6B
+7.8% YoY
+6.8% QoQ
|
-$467.5B |
$767.0B
-1.7% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
38% |
| Return on Assets ? |
0.81%
-0.3% YoY
-2.3% QoQ
|
-0.33% |
1.15%
+9.3% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
1.24%
+19.7% YoY
+12.0% QoQ
|
-1.81% |
3.05%
+6.7% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.2% in tier |
| Efficiency Ratio ? |
71.03%
+3.0% YoY
+3.3% QoQ
|
+15.14% |
55.89%
+3.9% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.5% in tier |
| Delinquency Rate ? |
0.44%
-13.6% YoY
-20.4% QoQ
|
-0.48% |
0.92%
-4.7% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
Top 6.2% in tier |
| Loan-to-Deposit Ratio ? |
16.42%
+2.2% YoY
-1.5% QoQ
|
-42.22% |
58.65%
+11.5% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Top 6.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.32%
+13.7% YoY
+5.2% QoQ
|
-5.28% |
18.60%
+9.6% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.06%
-9.4% YoY
-21.9% QoQ
|
-0.43% |
0.48%
+3.7% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
Top 6.2% in tier |
| Tier 1 Capital Ratio ? |
14.70%
-4.0% YoY
-9.7% QoQ
|
+0.70% |
14.00%
-15.5% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.70%
+2.2% YoY
-75.2% QoQ
|
+0.35% |
0.35%
-0.9% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Top 0.1% in tier |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.