BlastPoint's Banking Scorecard
State Street Bank and Trust Company
Micro
Specialty: Consumer
IL
FDIC cert 14857
Designations: ✓ Community bank
Quincy, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
State Street Bank and Trust Company shows strong momentum with 1 strength and 7.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.59% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$348.7M
+7.2% YoY
+2.4% QoQ
|
+$131.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$274.7M
+8.0% YoY
+2.4% QoQ
|
+$135.5M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$305.9M
+3.2% YoY
+3.6% QoQ
|
+$122.3M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
1.88%
+10.8% YoY
-7.1% QoQ
|
+0.80% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.56%
+12.9% YoY
+1.7% QoQ
|
+0.71% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
57.58%
-7.4% YoY
-0.2% QoQ
|
-10.15% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.32%
+176.8% YoY
-2.8% QoQ
|
-0.32% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
89.80%
+4.7% YoY
-1.1% QoQ
|
+15.27% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
28.58%
+4.7% YoY
+10.5% QoQ
|
+6.19% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.25%
+139.5% YoY
-2.8% QoQ
|
-0.20% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
11.60%
+2.4% YoY
-0.6% QoQ
|
+2.75% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
1.16%
-5.6% YoY
+37.5% QoQ
|
+0.59% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.16%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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: 1.16% · Tier avg: 0.56%
89
89th pctile
Total Loans
Current: $274.7M · Tier avg: $139.2M
88
88th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
82
82th pctile
Total Deposits
Current: $305.9M · Tier avg: $183.7M
81
81th pctile
Net Interest Margin
Current: 4.56% · Tier avg: 3.85%
80
80th pctile
Total Assets
Current: $348.7M · Tier avg: $217.5M
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.58% · Tier avg: 22.39%
74
74th pctile
Efficiency Ratio
Current: 57.58% · Tier avg: 67.73%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.60% · Tier avg: 8.85%
54
54th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.64%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
23
23th pctile
Loan-to-Deposit Ratio
Current: 89.80% · Tier avg: 74.53%
Top Weaknesses
23
23th pctile
Loan-to-Deposit Ratio
Current: 89.80% · Tier avg: 74.53%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
54
54th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.64%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.60% · Tier avg: 8.85%
74
74th pctile
Efficiency Ratio
Current: 57.58% · Tier avg: 67.73%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.58% · Tier avg: 22.39%
80
80th pctile
Total Assets
Current: $348.7M · Tier avg: $217.5M
81
81th pctile
Net Interest Margin
Current: 4.56% · Tier avg: 3.85%
82
82th pctile
Total Deposits
Current: $305.9M · Tier avg: $183.7M
88
88th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
89
89th pctile
Total Loans
Current: $274.7M · Tier avg: $139.2M
94
94th pctile
Non-Interest Income / Assets
Current: 1.16% · Tier avg: 0.56%