PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets3.76%3.75%3.76%2.42%3.09%3.15%3.32%2.91%+49 bps
Return on Equity3.80%3.79%3.80%2.43%3.10%3.16%3.33%2.92%+49 bps
Net Interest Margin2.33%2.42%2.47%2.70%2.65%2.65%2.56%2.25%-44 bps
Efficiency Ratio25.59%25.95%25.89%45.45%28.02%27.55%26.38%30.40%-1,505 bps
Non-Interest Burden-2.82%-2.71%-2.58%-0.59%-1.54%-1.60%-1.88%-1.59%-100 bps
Growth
Asset Growth (YoY)6.30%0.95%-0.58%3.50%3.22%2.90%3.46%3.45%-5 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio99.72%100.29%100.36%100.11%100.35%100.21%100.32%100.17%+5 bps
Total Risk-Based Capital471%463%471%474%482%465%480%483%+919 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a