State Street Bank and Trust Company is a state-chartered bank headquartered in Quincy, Illinois, in business for about 136 years. At the end of Q2 2026 it reported $357.1M in total assets and $315.5M in deposits, with 3 offices.
State Street Bank and Trust Company has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 89th. Earnings contributes the most (100/100, 2.40%); capital cushion contributes the least (50/100, 9.99%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 2 points (75 → 77), mostly because the capital cushion component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 75 |
| Q4 2024 | 75 |
| Q1 2025 | 76 |
| Q2 2025 | 75 |
| Q3 2025 | 76 |
| Q4 2025 | 76 |
| Q1 2026 | 77 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.03% |
| Q3 2024 | 9.05% |
| Q4 2024 | 9.22% |
| Q1 2025 | 9.15% |
| Q2 2025 | 9.42% |
| Q3 2025 | 9.70% |
| Q4 2025 | 9.76% |
| Q1 2026 | 9.73% |
| Q2 2026 | 9.99% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.13% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.31% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.39% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.66% |
| Q3 2024 | 1.67% |
| Q4 2024 | 1.70% |
| Q1 2025 | 1.83% |
| Q2 2025 | 1.92% |
| Q3 2025 | 2.03% |
| Q4 2025 | 1.88% |
| Q1 2026 | 2.14% |
| Q2 2026 | 2.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $357.1M | 9.99% | 0.39% | 2.40% | 88.8% |
| Q1 2026 | 77 | $351.9M | 9.73% | 0.25% | 2.14% | 88.9% |
| Q4 2025 | 76 | $348.7M | 9.76% | 0.31% | 1.88% | 89.8% |
| Q3 2025 | 76 | $340.5M | 9.70% | 0.32% | 2.03% | 90.8% |
| Q2 2025 | 75 | $334.6M | 9.42% | 0.31% | 1.92% | 89.0% |
| Q1 2025 | 76 | $337.4M | 9.15% | 0.16% | 1.83% | 83.6% |
| Q4 2024 | 75 | $325.3M | 9.22% | 0.11% | 1.70% | 85.8% |
| Q3 2024 | 75 | $325.9M | 9.05% | 0.13% | 1.67% | 85.2% |
| Q2 2024 | 73 | $321.8M | 9.03% | 0.23% | 1.66% | 84.6% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| OSB Community BankBank Ottawa, IL | 69 out of 100, Moderate | $355.6M | 11.6% | 0.36% | vs |
| Teutopolis State BankBank Teutopolis, IL | 97 out of 100, Very strong | $358.5M | 14.7% | 0.00% | vs |
| Shelby County State BankBank Shelbyville, IL | 76 out of 100, Strong | $363.2M | 10.4% | 0.31% | vs |
| The Bank of HerrinBank Herrin, IL | 65 out of 100, Moderate | $349.2M | 8.8% | 0.83% | vs |
| Citizens National Bank of AlbionBank Albion, IL | 88 out of 100, Very strong | $348.5M | 17.4% | 0.54% | vs |
| Buena Vista National BankBank Chester, IL | 77 out of 100, Strong | $344.0M | 11.1% | 0.36% | vs |
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 #14857). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.6% of deposits ($30.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.99%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.18% (benchmark: 10%).
3 locations
Branches
State Street Bank and Trust Company lists 3 offices in 2 cities. Most locations:
- Quincy, IL (2)
- Payson, IL (1)
Identity & history
Profile
- Legal name
- State Street Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 14857
- RSSD ID
- 352745
- Primary regulator
- FDIC
- Holding company
- Backlund Inv Employee Stk Ownership Plan
- Established
- January 1, 1890
- Headquarters
- 801 State St, Quincy, IL 62301
- Website
- www.statestreetbank.com
- Employees
- 60
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 #14857). 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?
77 out of 100 (Strong), 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 #14857 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.
Nearby
Highest-scoring banks and credit unions with branches near Quincy
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members "first" Community Credit UnionCredit union Quincy, IL | 92 out of 100, Very strong | $111.6M | 25.4% | 0.03% | vs |
| Town & Country Bank MidwestBank Quincy, IL | 92 out of 100, Very strong | $279.3M | 14.9% | 0.15% | vs |
| Farmers State BankBank Pittsfield, IL | 88 out of 100, Very strong | $339.8M | 15.0% | 0.23% | vs |
| Liberty BankBank Liberty, IL | 86 out of 100, Very strong | $193.9M | 12.2% | 0.14% | vs |
| United Community Credit UnionCredit union Quincy, IL | 84 out of 100, Strong | $134.1M | 15.4% | 0.40% | vs |
| Western Illinois School Employees Credit UnionCredit union Quincy, IL | 83 out of 100, Strong | $24.0M | 16.1% | 0.17% | vs |