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State Street Bank and Trust Company of California, N.A.

Los Angeles, CA · Cert 26474

FDIC

Q1 2025

Board Package

Performance Trends and Peer Comparison

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

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, 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=598 to 599). 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

99

Q2 2024Q1 2025peer median (50)

Asset Quality

No peer data yet

Profitability

39

Q2 2024Q1 2025peer median (50)

Liquidity

No peer data yet

Efficiency

98

Q2 2024Q1 2025peer 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 of California, N.A.

Los Angeles, CA · Cert 26474

FDIC

Q1 2025

$9.1MAssets
n/aLoans
n/aDeposits
$9.1MEquity

NIM

2.24%Q1 ’232.70%Q1 ’242.25%Q1 ’25+20%-16%

Non-interest income vs. expense

1.82%Q1 ’232.74%Q1 ’241.68%Q1 ’25+80%-168%

Executive Summary

  • Earnings: ROA of 2.91%, up 49 bps year over year; NIM at 2.25%.
  • Capital: tier 1 leverage ratio of 100.17%, up 5 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

2.91%+49 bps YoY

Net Interest Margin (YTD, annualized)

2.25%-44 bps YoY

Efficiency Ratio (YTD, annualized)

30.40%-1,505 bps YoY

Tier 1 Leverage Ratio

100.17%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets2.42%3.09%3.15%3.32%2.91%+49 bps
Return on Equity2.43%3.10%3.16%3.33%2.92%+49 bps
Net Interest Margin2.70%2.65%2.65%2.56%2.25%-44 bps
Efficiency Ratio45.45%28.02%27.55%26.38%30.40%-1,505 bps
Non-Interest Burden-0.59%-1.54%-1.60%-1.88%-1.59%-100 bps
Growth
Asset Growth (YoY)3.50%3.22%2.90%3.46%3.45%-5 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 Ratio100.11%100.35%100.21%100.32%100.17%+5 bps
Total Risk-Based Capital474%482%465%480%483%+919 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 of California, N.A.

Los Angeles, CA · Cert 26474 · Peer group: banks under $1B in assets (n=598-599)

FDIC

Q1 2025

$9.1MAssets
n/aLoans
n/aDeposits
$9.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 100% of banks under $1B in assets (rank 2 of 598).
  • Widest gap: net interest margin trails 92% of banks under $1B in assets (rank 550 of 598).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

2.90%

Rank 42 of 599

Net Interest Margin

2.25%

Rank 550 of 598

Efficiency Ratio

30.40%

Rank 11 of 598

Equity / Assets

99.77%

Rank 2 of 598

Non-interest income vs. expense

$296K$152KINCOMEEXPENSE
Favorable gap of $144K · efficiency ratio beats 98% of banks under $1B in assets
Bank 30.40%Peer median 70.7%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.90%0.47%0.86%1.38%Beats 93%42 / 599
Return on Equity2.91%4.56%8.90%12.65%Beats 17%494 / 598
Net Interest Margin2.25%2.82%3.31%3.84%Beats 8%550 / 598
Efficiency Ratio30.40%60.53%70.73%82.91%Beats 98%11 / 598
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio483%11.11%13.78%18.22%Beats 99%5 / 598
Total Risk-Based Capital Ratio483%11.62%14.42%19.14%Beats 99%5 / 598
Equity / Assets99.77%8.34%10.07%12.96%Beats 100%2 / 598
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assetsn/aNot reported for this institution
Brokered Deposits / Depositsn/aNot reported for this institution