State Street Bank and Trust Company

Headquarters

One Congress Street
Boston, MA 02114
See all branch locations →

ACH 081200528

SWIFT SBOSUS33XXX

Notable Rates	APY	Vs.Others
Savings	N.A.	4.60% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.10% →
5-Year CD	N.A.	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
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Reviews

2025 Overview

General Bank Information

State Street Bank and Trust Company is an FDIC insured institution located in Boston, MA. It was founded in 1792 and has approximately $371.78 billion in assets. Customers can open an account at one of its 2 branches.


FDIC Insured	Yes
FDIC Certificate	# 14
Date Established	1792
Assets	$ 371.78 billion
Loans	$ 47.31 billion
Deposits	$ 289.08 billion
Capital	$ 29.14 billion

For a more detailed analysis of State Street Bank and Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 30, 2025

Your Current Location: Oklahoma, OK 10007

Loan Rates - October 30, 2025

Your Current Location: Oklahoma, OK 10007

There are currently no loan rates available for State Street Bank and Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Oklahoma 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 2487386 License#: MB016151	5.880%	5.750% 0.75 points $4,555 fees	$1,868	Learn More
NMLS ID: 613839	6.100%	5.990% 0.63 points $3,775 fees	$1,917	Learn More
NMLS ID: 399799	6.115%	6.000% 0.88 points $4,112 fees	$1,919	Learn More

See More Mortgage Rates →

Featured - Oklahoma Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873. As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.500 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

See More Home Equity Rates →

Note to State Street Bank and Trust Company
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Branches

State Street Bank and Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Poteau,Oklahoma

State Street Bank and Trust Company Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Cayman Branch (Frgn)	189.38	A	View Lobby Hours
State Street Bank And Trust Company	1346.73	B	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

Bank's policy on financing renewable energy is here.

Updated April 12, 2024

Climate Score: C

Bank talks the talk, but steadfastly refuses to divest from its carbon energy exposure and has not been a lead lender on any major projects, including in New England where it is based.

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Financial Details

State Street Bank and Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of State Street Bank and Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

State Street Bank and Trust Company	U.S. Bank Average
0.65%	5.56%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2025, State Street Bank and Trust Company had $192,000,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $29,140,000,000 in equity and $179,000,000 in loans loss reserves. That gives it a Texas Ratio of 0.65%.

Return on Equity

State Street Bank and Trust Company	U.S. Bank Average
10.13%	11.32%

State Street Bank and Trust Company has a Return on Equity of 10.13% versus the BestCashCow average of 11.32%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

State Street Bank and Trust Company	U.S. Bank Average
7.84%	11.41%

State Street Bank and Trust Company has a Capitalization of 7.84% versus the BestCashCow average of 11.41. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

State Street Bank and Trust Company Balance Sheet Analysis

As of June 30, 2025, State Street Bank and Trust Company had assets of $371,784,000,000, loans of $47,313,000,000, and deposits of $289,084,000,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2025

ASSETS
Cash & Balances due from depository institutions	$ 122.16 billion
Interest-bearing balances	$ 118.29 billion
Total securities	$ 113.45 billion
Federal funds sold and reverse repurchase	$ 8.28 billion
Net loans and leases	$ 47.31 billion
Loan loss allowance	$ 179.00 million
Trading account assets	$ 9.72 billion
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 8.64 billion
All other assets	$ 33.25 billion
Total Assets	$ 342.64 billion

LIABILITIES
Total deposits	$ 289.08 billion
Interest-bearing deposits	$ 254.25 billion
Deposits held in domestic offices	$ 207.85 billion
% insured (estimated)	4.81%
Federal funds purchased and repurchase agreements	$ 2.38 billion
Trading liabilities	$ 10.22 billion
Other borrowed funds	$ 3.02 billion
Subordinated debt	$ 527.00 million
All other liabilities	$ 11.15 billion
Total Liabilities	$ 342.64 billion
Shareholders’ Equity	$ 29.14 billion

Summary Income Statement

June 30, 2025

INCOME AND EXPENSES
Total Interest Income	$ 5.95 billion
Total Interest Expense	$ 4.45 billion
Net interest income	$ 1,502.00 million
Provision for loan and lease losses	$ 42.00 million
Total non interest income	$ 5.00 billion
Total non interest expense	$ 4.62 billion
Pre-tax Net Operating Income	$ 1,562.00 million

Bank Loan Profile^?

The top three loan types in State Street Bank and Trust Company’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks, State Street Bank and Trust Company’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	0.00	✓
Multifamily Mortgages	1.90		✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	0.00	✓
Small Business Loans	0.00	✓
Construction and Development Loans	0.00	✓
Commercial Real Estate	3.77	✓
Commercial and Industrial Loans	7.35		✓
Farm Loans	0.00	✓

Customer Reviews for State Street Bank and Trust Company

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