State Street Bank and Trust Company: how it compares with its peers
Against 139 IL banks with half to twice its assets, State Street Bank and Trust Company's strongest measure in Q2 2026 is return on assets (2.40% vs. a 1.13% peer median). Its weakest relative measure is assets per employee ($6.0M vs. $6.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.40% | 1.13% | Top third Ahead of 96% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.93% | 3.70% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.50% | 64.10% | Top third Ahead of 77% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $6.8M | Middle third Ahead of 35% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.77% | 75.34% | Context |
What it means for lending operations
Its efficiency ratio of 53.50% is better than the 64.10% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- OSB Community Bank Ottawa, IL · $356M
- Teutopolis State Bank Teutopolis, IL · $359M
- Shelby County State Bank Shelbyville, IL · $363M
- The Bank of Herrin Herrin, IL · $349M
- Citizens National Bank of Albion Albion, IL · $349M
- Buena Vista National Bank Chester, IL · $344M
Questions about State Street Bank and Trust Company
How big is State Street Bank and Trust Company?
State Street Bank and Trust Company, established in 1890, is headquartered in Quincy, IL. It reported $357M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is State Street Bank and Trust Company's return on assets?
2.40% annualized in Q2 2026, against a 1.13% median for 139 IL banks with half to twice its assets, ahead of 96% of them.
What is State Street Bank and Trust Company's efficiency ratio?
53.50% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 64.10%, and lower is better.
Is State Street Bank and Trust Company growing its loans?
Net loans grew 6.4% over the year to Q2 2026, while deposits grew 6.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.