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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2026-Q1QoQ -1

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

Quarterly Headline

2026-Q1

Bank #35301 2026-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.34% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +1
94
Sub-score

Liquidity is strong: brokered 7.1%, loans/deposits 22.6%.

Cash / Assets
—
Loans / Deposits
22.58%
Brokered %
7.05%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.72%
No watch items at this period.

Capitalization

StableQoQ -4
80
Sub-score

Capital position is stable: Tier 1 RBC 14.70%, CET1 14.70%, leverage 5.80%.

Tier 1 RBC
14.70%
CET1
14.70%
Leverage
5.80%
No watch items at this period.

Asset Quality

StrongQoQ -1
98
Sub-score

Asset quality is strong: Adjusted NPL 0.44%, Texas Ratio 1.1%, NCO YTD 0.33%.

Adjusted NPL
0.44%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.33%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +1
20
Sub-score

Reserves are weak: ALLL 0.34% of loans, coverage 77.8%, true coverage 59.4%.

ALLL / Loans
0.34%
Coverage
77.8%
True Loss Coverage
59.4%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.34% 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