BlastPoint's Banking Scorecard

State Street Bank and Trust Company

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

Quincy, IL

3 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in 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

+ Revenue Diversifier: Top 19.7% in tier
+ Profitability Leader: Top 36.2% in tier
+ Net Interest Margin 0.92% above tier average
+ Efficiency Ratio 10.28% below tier average
+ Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 21.2% in tier
- Credit Risk Growth: Bottom 30.8% in tier

Get updates when State Street Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$351.9M +4.3% YoY +0.9% QoQ	-$34.2M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	54%
Total Loans ?	$278.6M +7.8% YoY +1.4% QoQ	+$22.9M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	64%
Total Deposits ?	$313.5M +1.4% YoY +2.5% QoQ	-$14.5M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	57%
Return on Assets ?	2.14% +17.2% YoY +13.7% QoQ	+0.87%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 9.6% in tier
Net Interest Margin ?	4.85% +16.3% YoY +6.3% QoQ	+0.92%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Top 9.6% in tier
Efficiency Ratio ?	55.01% -8.9% YoY -4.5% QoQ	-10.28%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	73%
Delinquency Rate ?	0.25% +54.5% YoY -20.8% QoQ	-0.64%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	60%
Loan-to-Deposit Ratio ?	88.88% +6.3% YoY -1.0% QoQ	+12.24%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	26.69% -6.7% YoY -6.6% QoQ	+4.67%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	72%
Nonperforming Asset Ratio ?	0.20% +59.6% YoY -20.4% QoQ	-0.44%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	60%
Tier 1 Capital Ratio ?	11.63% +3.8% YoY +0.2% QoQ	-4.20%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.27% +10.5% YoY -76.2% QoQ	-0.01%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 7.8% in tier

Get Full Access to State Street Bank and Trust Company

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

Revenue Diversifier

growth

#132 of 666 • Top 19.7% 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: 0.27%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.14%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#242 of 666 • Top 36.2% in tier

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

Why this signature

Return on Assets: 2.14%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#278 of 1308 • Bottom 21.2% in tier

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

Why this signature

Delinquency Rate: 0.25%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#301 of 973 • Bottom 30.8% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

209

Non-Interest Income / Assets

revenue_mix

Value: 0.27%

Peer Median: 0.28%

#209 of 2664 Top 7.8% in $100M-$1B

258

Return on Assets

profitability

Value: 2.14%

Peer Median: 1.27%

#258 of 2664 Top 9.6% in $100M-$1B

258

Net Interest Margin

profitability

Value: 4.85%

Peer Median: 3.93%

#258 of 2664 Top 9.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available