TellerScore

State Street Bank and Trust Company (FDIC certificate #14) is based in Boston, Massachusetts. Its Q2 2026 call report shows $412.6B in total assets and $326.2B in deposits and 3 offices across 3 states.

State Street Bank and Trust Company has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 0% of its 32 banks with over $100 billion. Among 92 banks headquartered in Massachusetts, it ranks 79th. Problem-loan coverage contributes the most (98/100, 1.0%); capital cushion contributes the least (8/100, 5.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion8/100
Tier 1 leverage ratio: 5.85%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.56%
Earnings59/100
Return on assets (annualized): 0.97%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 16.0% · 75.9% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (53 → 52).

TellerScore
525353Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202453
Q4 202453
Q1 202552
Q2 202553
Q3 202552
Q4 202552
Q1 202652
Q2 202652
Tier 1 leverage ratio
5.00%5.61%6.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20246.13%
Q3 20246.21%
Q4 20246.09%
Q1 20256.04%
Q2 20256.04%
Q3 20256.22%
Q4 20256.15%
Q1 20265.95%
Q2 20265.85%
Noncurrent loans
0.40%0.48%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.50%
Q3 20240.46%
Q4 20240.44%
Q1 20250.51%
Q2 20250.40%
Q3 20250.50%
Q4 20250.55%
Q1 20260.44%
Q2 20260.56%
Return on assets
0.79%0.88%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.80%
Q3 20240.82%
Q4 20240.85%
Q1 20250.82%
Q2 20250.79%
Q3 20250.84%
Q4 20250.83%
Q1 20260.81%
Q2 20260.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$412.6B5.85%0.56%0.97%16.0%
Q1 202652$386.5B5.95%0.44%0.81%16.4%
Q4 202552$360.7B6.15%0.55%0.83%16.7%
Q3 202552$366.1B6.22%0.50%0.84%16.3%
Q2 202553$371.8B6.04%0.40%0.79%16.4%
Q1 202552$368.2B6.04%0.51%0.82%16.1%
Q4 202453$349.0B6.09%0.44%0.85%16.2%
Q3 202453$334.3B6.21%0.46%0.82%16.5%
Q2 202452$321.5B6.13%0.50%0.80%16.1%

32 peers · Over $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio5.85%
0th
Total risk-based capital15.21%
65th
Problem loans0.56%
77th
Net charge-offs0.17%
77th
Return on assets0.97%
10th
Net interest margin1.24%
0th
Efficiency ratio66.1%
19th
Loans to deposits16.0%
97th
Uninsured deposits75.9%
0th
Loan-loss reserves0.31%
10th
Texas ratio1.0%
90th

Deposit insurance

Is my money safe at State Street Bank and Trust Company?

Yes. State Street Bank and Trust Company is an FDIC-insured institution (FDIC certificate #14). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 75.9% of deposits ($247.6B) are above the $250,000 FDIC insurance limit, above the peer median of 43%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 5.85%, slightly above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.21% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

State Street Bank and Trust Company lists 3 offices in 3 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
State Street Bank and Trust Company
Former names
Second Bank-State Street Trust Company; State Street Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
14
RSSD ID
35301
Primary regulator
FED
Holding company
State Street Corp
Established
January 1, 1792
Headquarters
One Congress Street, Boston, MA 02114
Employees
48,653

Quick answers

State Street Bank and Trust Company: common questions

Is State Street Bank and Trust Company FDIC insured?

Yes. State Street Bank and Trust Company is an FDIC-insured institution (FDIC certificate #14). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is State Street Bank and Trust Company's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has State Street Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #14 in the FDIC failed bank list.

How many branches does State Street Bank and Trust Company have?

3 offices as of the latest FDIC data, in 3 states.

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