BlastPoint's Banking Scorecard
State Street Bank and Trust Company
Titans
Specialty: International
MA
FDIC cert 14
Boston, MA
16
banks in Titans tier nationally
1 in MA
View Titans leaderboard (MA) →
State Street Bank and Trust Company has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 1% in Titans
- + Non-Interest Income / Assets 1.55% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50% in Titans
- - Net Interest Margin 1.36% below tier
- - Efficiency Ratio 12.91% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$360.7B
+3.4% YoY
-1.5% QoQ
|
-$591.7B |
$952.4B
-3.6% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$46.8B
+8.3% YoY
+0.3% QoQ
|
-$371.7B |
$418.5B
-0.2% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$280.6B
+5.1% YoY
-1.9% QoQ
|
-$459.2B |
$739.8B
-3.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
0.83%
-1.9% YoY
-0.4% QoQ
|
-0.28% |
1.11%
+7.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
1.11%
-6.3% YoY
+2.9% QoQ
|
-1.36% |
2.47%
+1.2% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
68.78%
+0.0% YoY
+1.1% QoQ
|
+12.91% |
55.86%
+1.9% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.55%
+24.8% YoY
+10.9% QoQ
|
-0.31% |
0.86%
-12.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
16.67%
+3.0% YoY
+2.2% QoQ
|
-39.01% |
55.68%
+5.4% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.66%
+0.6% YoY
+4.5% QoQ
|
-2.14% |
14.80%
-14.8% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.07%
+30.7% YoY
+12.9% QoQ
|
-0.37% |
0.44%
-9.5% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? |
16.27%
+5.1% YoY
+4.8% QoQ
|
+0.75% |
15.52%
+8.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
2.81%
+3.5% YoY
+36.4% QoQ
|
+1.55% |
1.25%
-5.5% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#1 of 4 · Top 1% in Titans
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.55%
(Tier: 0.86%, National: 0.66%)
4 of 4 Titans banks match
·
443 nationally
→ Stable
+6 banks QoQ
Non-Interest Income / Assets
metric
Top 6%
in Titans
Why this stands out
Current:
2.81%
(Tier avg: 1.25%, National avg: 0.65%)
Concerns (3)
Credit Quality Pressure
risk
#3 of 5 · Bottom 50% in Titans
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.55%
(Tier: 0.86%, National: 0.66%)
5 of 5 Titans banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Bottom 6%
in Titans
Why this stands out
Current:
1.11%
(Tier avg: 2.47%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 6%
in Titans
Why this stands out
Current:
68.78%
(Tier avg: 55.86%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Non-Interest Income / Assets
Current: 2.81% · Tier avg: 1.25%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.44%
81
81th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.86%
69
69th pctile
Tier 1 Capital Ratio
Current: 16.27% · Tier avg: 15.52%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 12.66% · Tier avg: 14.80%
38
38th pctile
Total Assets
Current: $360.7B · Tier avg: $952.4B
31
31th pctile
Total Deposits
Current: $280.6B · Tier avg: $739.8B
19
19th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.11%
12
12th pctile
Total Loans
Current: $46.8B · Tier avg: $418.5B
12
12th pctile
Loan-to-Deposit Ratio
Current: 16.67% · Tier avg: 55.68%
6
6th pctile
Net Interest Margin
Current: 1.11% · Tier avg: 2.47%
6
6th pctile
Efficiency Ratio
Current: 68.78% · Tier avg: 55.86%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 68.78% · Tier avg: 55.86%
6
6th pctile
Net Interest Margin
Current: 1.11% · Tier avg: 2.47%
12
12th pctile
Loan-to-Deposit Ratio
Current: 16.67% · Tier avg: 55.68%
12
12th pctile
Total Loans
Current: $46.8B · Tier avg: $418.5B
19
19th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.11%
31
31th pctile
Total Deposits
Current: $280.6B · Tier avg: $739.8B
38
38th pctile
Total Assets
Current: $360.7B · Tier avg: $952.4B
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 12.66% · Tier avg: 14.80%
69
69th pctile
Tier 1 Capital Ratio
Current: 16.27% · Tier avg: 15.52%
81
81th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.86%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.44%
94
94th pctile
Non-Interest Income / Assets
Current: 2.81% · Tier avg: 1.25%