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State Street Bank and Trust Company, National Association

New York, NY · Cert 24938

NC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

98

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

73

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

State Street Bank and Trust Company, National Association

New York, NY · Cert 24938

NC

Q2 2026

$65.2MAssets
$0KLoans
$0KDeposits
$63.9MEquity

NIM

2.06%Q2 ’241.85%Q2 ’251.61%Q2 ’26-10%-13%

Non-interest income vs. expense

35.76%Q2 ’2426.27%Q2 ’2522.74%Q2 ’26+38%-18%

Executive Summary

  • Earnings: ROA of 11.77%, up 1 bps year over year; NIM at 1.61%.
  • Capital: tier 1 leverage ratio of 101.58%, up 144 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

11.77%+1 bps YoY

Net Interest Margin (YTD, annualized)

1.61%-25 bps YoY

Efficiency Ratio (YTD, annualized)

59.58%-630 bps YoY

Tier 1 Leverage Ratio

101.58%+144 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets11.76%11.74%11.31%12.73%11.77%+1 bps
Return on Equity11.91%11.87%11.43%12.85%11.92%0 bps
Net Interest Margin1.85%1.86%1.82%1.65%1.61%-25 bps
Efficiency Ratio65.88%63.75%63.83%52.59%59.58%-630 bps
Non-Interest Burden-11.75%-12.04%-11.54%-15.11%-13.82%-207 bps
Growth
Asset Growth (YoY)38.70%35.44%32.39%34.20%12.57%-2,614 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio100.14%100.92%100.88%100.87%101.58%+144 bps
Total Risk-Based Capital286%366%359%349%344%+5,797 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

State Street Bank and Trust Company, National Association

New York, NY · Cert 24938 · Peer group: banks under $1B in assets (n=629)

NC

Q2 2026

$65.2MAssets
$0KLoans
$0KDeposits
$63.9MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 99% of banks under $1B in assets (rank 4 of 629).
  • Widest gap: net interest margin trails 97% of banks under $1B in assets (rank 613 of 629).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

11.36%

Rank 22 of 629

Net Interest Margin

1.61%

Rank 613 of 629

Efficiency Ratio

59.58%

Rank 171 of 629

Equity / Assets

98.10%

Rank 4 of 629

Non-interest income vs. expense

$23.0M$14.3MINCOMEEXPENSE
Favorable gap of $8.7M · efficiency ratio beats 73% of banks under $1B in assets
Bank 59.58%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets11.36%0.60%1.01%1.45%Beats 97%22 / 629
Return on Equity11.58%5.38%9.30%13.28%Beats 64%225 / 629
Net Interest Margin1.61%3.03%3.54%4.05%Beats 3%613 / 629
Efficiency Ratio59.58%58.35%67.79%79.08%Beats 73%171 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio344%11.24%13.84%18.77%Beats 98%11 / 629
Total Risk-Based Capital Ratio344%11.58%14.43%19.66%Beats 98%11 / 629
Equity / Assets98.10%9.09%10.65%13.80%Beats 99%4 / 629
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution