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State Street Bank and Trust Company

$100M-$1B Specialty: Consumer IL FDIC cert 14857

Quincy, IL

3 branches across IL

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +6.7% year over year ($315.5M on the books).
  • Delinquency rate 0.40%.
  • Return on assets 2.40%.
  • Efficiency ratio 53.50% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.77% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

State Street Bank and Trust Company has 5 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 11.8% in tier
  • + Revenue Diversifier: Top 14.2% in tier
  • + Net Interest Margin 0.94% above tier average
  • + Efficiency Ratio 10.98% below tier average
  • + Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 24.8% in tier
  • - Credit Quality Pressure: Bottom 25.3% in tier
Get updates when State Street Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $357.1M
+6.7% YoY +1.5% QoQ
-$29.5M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
55%
Total Loans ? $280.1M
+6.4% YoY +0.5% QoQ
+$21.7M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
64%
Total Deposits ? $315.5M
+6.7% YoY +0.6% QoQ
-$11.2M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? 2.40%
+25.1% YoY +12.0% QoQ
+1.07% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Top 5.8% in tier
Net Interest Margin ? 4.93%
+11.9% YoY +1.6% QoQ
+0.94% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Top 9.1% in tier
Efficiency Ratio ? 53.50%
-9.3% YoY -2.7% QoQ
-10.98% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
75%
Delinquency Rate ? 0.40%
+29.0% YoY +58.5% QoQ
-0.52% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 88.77%
-0.2% YoY -0.1% QoQ
+10.82% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
29%
Non-Interest-Bearing Deposit Share ? 28.97%
+7.9% YoY +8.5% QoQ
+6.94% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.31%
+28.6% YoY +57.0% QoQ
-0.36% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
51%
Tier 1 Capital Ratio ? 12.01%
+5.1% YoY +3.3% QoQ
-3.90% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
36%
Non-Interest Income / Assets ? 0.58%
+6.8% YoY +111.0% QoQ
+0.01% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 7.1% in tier

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 (IL) National Avg Tier Percentile
Noninterest-Bearing 29.0%
+2.1pp YoY
+2.3pp QoQ
 +6.8pp 22.1% 20.1% 22.2% 79%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 5.1%
-0.1pp YoY
+0.2pp QoQ
 -6.5pp 11.6% 14.7% 12.5% 20%
CRE 12.0%
+0.9pp YoY
-0.5pp QoQ
 -27.6pp 39.5% 37.9% 41.4% 7%
1-4 Family 44.6%
+2.2pp YoY
+0.8pp QoQ
 +12.0pp 32.6% 28.3% 31.3% 76%
Consumer 25.0%
-3.7pp YoY
-1.0pp QoQ
 +20.9pp 4.1% 5.4% 5.0% 99%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 12.0%
+0.6pp YoY
+0.4pp QoQ
 -6.8pp 18.8% 19.9% 19.7% 17%
Leverage Ratio 10.0%
+0.6pp YoY
+0.3pp QoQ
 -2.2pp 12.2% 12.2% 12.6% 31%
Total Capital Ratio 13.2%
+0.6pp YoY
+0.4pp QoQ
 -6.8pp 19.9% 20.9% 20.8% 18%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 60
+1 (+1.7%) YoY
+2 (+3.4%) QoQ
 +1 58 228 482 63%
Assets per Employee ($) $6.0M
+5.0% YoY
-1.9% QoQ
 -$1.6M $7.5M $8.3M $8.8M 33%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.4%
+0.1pp YoY
+0.2pp QoQ
 0.0pp 0.3% 0.4% 0.4% 77%
Nonaccrual 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.9pp 0.9% 1.1% 1.0% 11%
Allowance Coverage 2.97x
-24.7% YoY
-37.2% QoQ
 -21.18x 24.15x 5.62x 20.23x 58%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 77%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 26.1%
+2.1pp YoY
+2.5pp QoQ
 +13.9pp 12.2% 10.5% 11.6% 97%
Cost of Funds (YTD) 1.3%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 23%
Net Income ($, YTD) $4.2M
+32.7% YoY
— QoQ
 +$1.7M $2.6M $11.7M $40.4M 82%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#79 of 661 • Top 11.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.40%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Revenue Diversifier

growth
#95 of 661 • Top 14.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.58%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.40%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#233 of 936 • Bottom 24.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#319 of 1256 • Bottom 25.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.40%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

155
Return on Assets
profitability
Value: 2.40%
Peer Median: 1.32%
#155 of 2643 Top 5.8% in $100M-$1B
189
Non-Interest Income / Assets
revenue_mix
Value: 0.58%
Peer Median: 0.57%
#189 of 2643 Top 7.1% in $100M-$1B
242
Net Interest Margin
profitability
Value: 4.93%
Peer Median: 3.99%
#242 of 2643 Top 9.1% in $100M-$1B
553
Non-Interest-Bearing Deposit Share
funding
Value: 28.97%
Peer Median: 22.03%
#553 of 2643 Top 20.9% in $100M-$1B
650
Efficiency Ratio
profitability
Value: 53.50%
Peer Median: 64.48%
#650 of 2643 Top 24.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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