STATE STREET CORP

For the period ended Sep 30, 2026. Filed Oct 28, 2026.

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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2026 · Filed Oct 28, 2026

STT$165.56+0.2%Stored close · as of Nov 6, 2026

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

Form 10-Q

☒	QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended September 30, 2026

☐	TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from to

Commission File No.001-07511

(Exact name of Registrant as Specified in its Charter)

One Congress Street
MA					04-2456637
(State or other jurisdiction of incorporation)					(I.R.S. Employer Identification No.)
Boston,	MA				02114
(Address of principal executive offices)				(Zip Code)
		(617)	786-3000
(Registrant's telephone number, including area code)
Securities registered pursuant to Section 12(b) of the Act:
Title of Each Class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock, $1 par value per share		STT		New York Stock Exchange
Depositary Shares, each representing a 1/4,000th ownership interest in a share of		STT.PRG		New York Stock Exchange
Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series G, without par value per share

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer", "accelerated filer", "smaller reporting company", and "emerging growth company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer	☒	Accelerated filer	☐	Non-accelerated filer	☐	Smaller reporting company	☐
Emerging growth company	☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.¨

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No☒

The number of shares of the registrant’s common stock outstanding as of October 26, 2026 was 272,078,043.

QUARTERLY REPORT ON FORM 10-Q FOR THE QUARTERLY PERIOD ENDED

September 30, 2026

TABLE OF CONTENTS

Page
PART I · FINANCIAL INFORMATION
Item 2	Management's Discussion and Analysis of Financial Condition and Results of Operations	4
	General	4
	Financial Results and Highlights	8
	Consolidated Results of Operations	9
	Total Revenue	9
	Net Interest Income	15
	Provision for Credit Losses	18
	Expenses	18
	Repositioning Charges	19
	Income Tax Expense	19
	Line of Business Information	19
	Investment Servicing	20
	Investment Management	20
	Financial Condition	21
	Investment Securities	21
	Loans	24
	Risk Management	25
	Credit and Counterparty Risk Management	25
	Liquidity Risk Management	25
	Operational Risk Management	28
	Information Technology Risk Management	29
	Market Risk Management	29
	Model Risk Management	33
	Strategic Risk Management	33
	Capital	33
	Off-Balance Sheet Arrangements	42
	Recent Accounting Developments	42
Item 3	Quantitative and Qualitative Disclosures About Market Risk	43
Item 4	Controls and Procedures	43
Item 1	Financial Statements	44
	Consolidated Statement of Income (unaudited)	44
	Consolidated Statement of Comprehensive Income (unaudited)	45
	Consolidated Statement of Condition	46
	Consolidated Statement of Changes in Shareholders' Equity (unaudited)	47
	Consolidated Statement of Cash Flows (unaudited)	48
	Condensed Notes to Consolidated Financial Statements (unaudited)	49
	Note 1. Summary of Significant Accounting Policies	49
	Note 2. Fair Value	50
	Note 3. Investment Securities	53
	Note 4. Loans and Allowance for Credit Losses	57
	Note 5. Goodwill and Other Intangible Assets	62
	Note 6. Other Assets	63

	Note 7. Derivative Financial Instruments	64
	Note 8. Offsetting Arrangements	67
	Note 9. Commitments and Guarantees	70
	Note 10. Contingencies	70
	Note 11. Variable Interest Entities	72
	Note 12. Shareholders' Equity	73
	Note 13. Regulatory Capital	76
	Note 14. Net Interest Income	77
	Note 15. Expenses	77
	Note 16. Earnings Per Common Share	78
	Note 17. Line of Business Information	78
	Note 18. Revenue from Contracts with Customers	80
	Note 19. Non-U.S. Activities	82
	Note 20. Subsequent Events	82
	Review Report of Independent Registered Public Accounting Firm	84
PART II	OTHER INFORMATION
Item 2	Unregistered Sales of Equity Securities and Use of Proceeds	87
Item 5	Other Information	87
Item 6	Exhibits	88
	Signatures	89

We use acronyms and other defined terms for certain business terms and abbreviations, as defined in the acronyms list and glossary following the consolidated financial statements in this Form 10-Q.

PART I. FINANCIAL INFORMATION

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