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State Street Bank And Trust Company

IDRSSD: 35301
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q1QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #35301 2024-Q1 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.35% of loans.

What changed this quarter

Compared to Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↑ 0
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -15

The five pillars

Liquidity

StrongQoQ +1
94
Sub-score

Liquidity is strong: brokered 7.0%, loans/deposits 20.3%.

Cash / Assets
—
Loans / Deposits
20.27%
Brokered %
6.97%
No watch items at this period.

Securities

StrongQoQ 0
100
Sub-score

Securities profile is strong: securities 17.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.49%
No watch items at this period.

Capitalization

StableQoQ -1
78
Sub-score

Capital position is stable: Tier 1 RBC 15.19%, CET1 15.19%, leverage 5.99%.

Tier 1 RBC
15.19%
CET1
15.19%
Leverage
5.99%
No watch items at this period.

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.27%, Texas Ratio 0.6%, NCO YTD 0.34%.

Adjusted NPL
0.27%
Govt-guarantees stripped
Texas Ratio
0.6%
NCO YTD
0.34%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -15
51
Sub-score

Reserves are deteriorating: ALLL 0.35% of loans, coverage 127.4%, true coverage 127.4%.

ALLL / Loans
0.35%
Coverage
127.4%
True Loss Coverage
127.4%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.35% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 16:54:12 UTC