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Item 16. FORM 10-K SUMMARY

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Item 16. FORM 10-K SUMMARY

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EXHIBIT INDEX

3.1Restated Articles of Organization, as amended (filed as Exhibit 3.1 to State Street’s Annual Report on Form 10-K (File No. 001-07511) filed with the SEC on February 13, 2025 and incorporated herein by reference)
3.2By-laws, as amended (filed as Exhibit 3.1 to State Street’s Current Report on Form 8-K (File No.001-07511) filed with the SEC on December 16, 2022 and incorporated herein by reference)
4.1Description of Securities Registered under Section 12 of the Exchange Act (filed as Exhibit 4.1 to State Street’s Annual Report on Form 10-K (File No. 001-07511) filed with the SEC on February 13, 2025 and incorporated by herein by reference)
4.2Deposit Agreement dated April 11, 2016, among State Street Corporation, American Stock Transfer & Trust Company, LLC (as depositary) and the holders from time to time of depositary receipts (filed as Exhibit 4.1 to State Street’s Current Report on Form 8-K (File No. 001-7511) dated April 11, 2016 filed with the SEC on April 11, 2016 and incorporated herein by reference)
4.3Deposit Agreement, dated January 31, 2024, among State Street Corporation, Equiniti Trust Company, LLC (as depositary), and the holders from time to time of the depositary receipts (filed as Exhibit 4.3 to State Street's Current Report on Form 8-K (File No. 001-07511), filed with the SEC on January 31, 2024 and incorporated herein by reference)
4.4Deposit Agreement, dated July 24, 2024, among State Street Corporation, Equiniti Trust Company, LLC (as depositary), and the holders from time to time of the depositary receipts (filed as Exhibit 4.3 to State Street's Current Report on Form 8-K (File No. 001-07511), filed with the SEC on July 24, 2024 and incorporated herein by reference)
4.5Deposit Agreement dated February 6, 2025, among State Street Corporation, Equiniti Trust Company LLC (as depositary), and the holders from time to time of the depositary receipts (filed as Exhibit 4.3 to State Street’s Current Report on Form 8-K (File No. 001-07511), filed with the SEC on February 6, 2025 and incorporated herein by reference)
(Note: None of the instruments defining the rights of holders of State Street’s outstanding long-term debt are in respect of indebtedness in excess of 10% of the total assets of State Street and its subsidiaries on a consolidated basis. State Street hereby agrees to furnish to the SEC upon request a copy of any other instrument with respect to long-term debt of State Street and its subsidiaries.)
10.1†State Street’s Executive Supplemental Retirement Plan, as amended and restated, and First, Second and Third Amendments thereto (filed as Exhibit 10.2 to State Street’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2020 filed with the SEC on February 19, 2021 and incorporated herein by reference)
10.2†Supplemental Cash Incentive Plan, as amended, First and Second Amendments thereto, and form of award agreement thereunder (filed as Exhibit 10.2 to State Street’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended March 31, 2025 filed with the SEC on May 1, 2025 and incorporated herein by reference)
10.3A†State Street’s Amended and Restated 2017 Stock Incentive Plan (filed as Exhibit 99.1 to State Street’s Current Report on Form 8-K (File No. 001-07511) filed with the SEC on May 19, 2023 and incorporated herein by reference)
10.3B†Forms of award agreement under State Street’s Amended and Restated 2017 Stock Incentive Plan (filed as Exhibit 10.1 to State Street’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended March 31, 2025 filed with the SEC on May 1, 2025 and incorporated herein by reference)
10.3C†State Street’s Performance-Based Restricted Stock Units Risk Adjustment Guidelines for EVPs in EMEA, effective December 20, 2024 (filed as Exhibit 10.3D to State Street’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2024 filed with the SEC on February 13, 2025 and incorporated herein by reference)
10.4†State Street’s Management Supplemental Savings Plan, Amended and Restated Effective as of September 1, 2024 (MSSP) (filed as Exhibit 4.3 to State Street’s Registration Statement on Form S-8 filed with the SEC on September 20, 2024 and incorporated herein by reference)

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10.5†State Street’s Rabbi Trust Agreement applicable to the MSSP dated June 1, 2002 (filed as Exhibit 10.2 to State Street’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended September 30, 2024 filed with the SEC on October 31, 2024 and incorporated herein by reference)
10.6†Pension Plan for the Employees of State Street GmbH Munich and letter agreements entered into with Joerg Ambrosius dated January 24, 2011 and March 25, 2019 (filed as Exhibit 10.3 to State Street’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended March 31, 2025 filed with the SEC on May 1, 2025 and incorporated herein by reference)
10.7†Deferred Compensation Plan for Directors of State Street Corporation, Restated January 1, 2007, as amended (filed as Exhibit 10.12 to State Street’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2011 filed with the SEC on February 27, 2012 and incorporated herein by reference)
10.8†Deferred Compensation Plan for Directors of State Street Corporation, Restated January 1, 2021, as amended (filed as Exhibit 10.1 to State Street’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended June 30, 2020 filed with the SEC on July 27, 2020 and incorporated herein by reference)
10.9†Description of compensation arrangements for non-employee directors filed as Exhibit 10.2 to State Street’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended June 30, 2025 filed with the SEC on July 31, 2025 and incorporated herein by reference)
10.10†State Street’s Rabbi Trust Agreement applicable to various nonqualified deferred compensation plans, dated June 1, 2002, as amended effective January 1, 2013 (filed as Exhibit 10.22 to State Street’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2017 filed with the SEC on February 26, 2018 and incorporated herein by reference)
10.11A†Form of Indemnification Agreement between State Street Corporation and each of its directors (filed as Exhibit 10.18A to State Street’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2013 filed with the SEC on February 21, 2014 and incorporated herein by reference)
10.11B†Form of Indemnification Agreement between State Street Corporation and each of its executive officers (filed as Exhibit 10.18B to State Street’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2013 filed with the SEC on February 21, 2014 and incorporated herein by reference)
10.11C†Form of Indemnification Agreement between State Street Bank and Trust Company and each of its directors (filed as Exhibit 10.18C to State Street’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2013 filed with the SEC on February 21, 2014 and incorporated herein by reference)
10.11D†Form of Indemnification Agreement between State Street Bank and Trust Company and each of its executive officers (filed as Exhibit 10.18D to State Street’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2013 filed with the SEC on February 21, 2014 and incorporated herein by reference)
10.12†Form of employment agreement for executive officers in the United States and Germany (filed as Exhibit 10.13) to State Street’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2024 filed with the SEC on February 13, 2025 and incorporated herein by reference)
10.13†Employment Letter Agreement entered into with Bradford Hu dated October 20, 2021 (filed as Exhibit 10.3 to State Street’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended March 31, 2024 filed with the SEC on May 2, 2024 and incorporated herein by reference)
10.14†Employment Letter Agreement entered into with Joerg Ambrosius on October 29, 2025 and effective January 1, 2025 (filed as Exhibit 10.1 to State Street’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended September 30, 2025 filed with the SEC on October 30, 2025 and incorporated herein by reference)
10.15†Role-Based Allowance Agreement entered into with Joerg Ambrosius on October 29, 2025 and effective January 1, 2025 (filed as Exhibit 10.3 to State Street’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended September 30, 2025 filed with the SEC on October 30, 2025 and incorporated herein by reference)

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10.16†Service Agreement entered into with Joerg Ambrosius on October 29, 2025 and effective January 1, 2025 (filed as Exhibit 10.2 to State Street’s Quarterly Report on Form 10-Q (File No. 001-07511) for the quarter ended September 30, 2025 filed with the SEC on October 30, 2025 and incorporated herein by reference)
10.17†Employment Letter Agreement entered into with Yie-Hsin Hung dated September 9, 2022 (filed as Exhibit 10.13 to State Street’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2023 filed with the SEC on February 15, 2024 and incorporated herein by reference)
10.18†Employment Letter Agreement entered into with Eric Aboaf dated September 22, 2016 (filed as Exhibit 10.1 to State Street's Current Report on Form 8-K (File No. 001-07511) dated September 28, 2016 filed with the SEC on September 28, 2016 and incorporated herein by reference)
10.19†Employment Letter Agreement entered into with John F. Woods dated April 24, 2025 (filed as Exhibit 10.1 to State Street’s Current Report on Form 8-K (Filed No. 001-07511) dated April 24, 2025 filed with the SEC on April 30, 2025 and incorporated herein by reference)
10.20†State Street Corporation Incentive Compensation Program, Effective January 1, 2022, (filed as Exhibit 10.17 to State Street’s Annual Report on Form 10-K (File No. 001-7511) for the year ended December 31, 2022 filed with the SEC on February 16, 2023 and incorporated herein by reference)
10.21†State Street Corporation Cash Award Plan, Effective January 1, 2019 (filed as Exhibit 10.25 to State Street's Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2018 filed with the SEC on February 21, 2019 and incorporated herein by reference)
10.22†State Street’s Management Supplemental Retirement Plan, Amended and Restated, as amended (filed as Exhibit 10.1 to State Street’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2012 filed with the SEC on February 22, 2013 and incorporated herein by reference)
19Securities Trading Policy
21Subsidiaries of State Street Corporation
23Consent of Independent Registered Public Accounting Firm
31.1Rule 13a-14(a)/15d-14(a) Certification of Chairman, Chief Executive Officer and President
31.2Rule 13a-14(a)/15d-14(a) Certification of Executive Vice President and Chief Financial Officer
32Section 1350 Certifications
97State Street Compensation Recovery Policy (filed as Exhibit 97 to State Street’s Annual Report on Form 10-K (File No. 001-07511) for the year ended December 31, 2024 filed with the SEC on February 13, 2025 and incorporated herein by reference)
101.INSThe instance document does not appear in the interactive data file because its XBRL tags are embedded within the inline XBRL document
*101.SCHInline XBRL Taxonomy Extension Schema Document
*101.CALInline XBRL Taxonomy Calculation Linkbase Document
*101.DEFInline XBRL Taxonomy Extension Definition Linkbase Document
*101.LABInline XBRL Taxonomy Label Linkbase Document
*101.PREInline XBRL Taxonomy Presentation Linkbase Document
*104Cover Page Interactive Data File (formatted as Inline XBRL and included within the Exhibit 101 attachments)
†Denotes management contract or compensatory plan or arrangement
*Submitted electronically herewith

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Attached as Exhibit 101 to this report are the following formatted in iXBRL (Inline Extensible Business Reporting Language): (i) consolidated statement of income for the years ended December 31, 2025, 2024 and 2023, (ii) consolidated statement of comprehensive income for the years ended December 31, 2025, 2024 and 2023, (iii) consolidated statement of condition as of December 31, 2025 and 2024, (iv) consolidated statement of changes in shareholders’ equity for the years ended December 31, 2025, 2024 and 2023, (v) consolidated statement of cash flows for the years ended December 31, 2025, 2024 and 2023, and (vi) notes to consolidated financial statements.

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SIGNATURES

Pursuant to the requirement of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, on February 19, 2026, hereunto duly authorized.

STATE STREET CORPORATION
By/s/ JOHN F. WOODS
JOHN F. WOODS,
Executive Vice President and Chief Financial Officer
By/s/ ELIZABETH M. SCHAEFER
ELIZABETH M. SCHAEFER,
Senior Vice President, Chief Accounting Officer and Interim Controller

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below on February 19, 2026, by the following persons on behalf of the registrant and in the capacities indicated.

OFFICERS:

/s/ RONALD P. O’HANLEY/s/ JOHN F. WOODS
RONALD P. O’HANLEY,JOHN F. WOODS,
Chairman, Chief Executive Officer and PresidentExecutive Vice President and Chief Financial Officer
/s/ ELIZABETH M. SCHAEFER
ELIZABETH M. SCHAEFER,
Senior Vice President, Chief Accounting Officer and Interim Controller

DIRECTORS:

/s/ MARIE A. CHANDOHA/s/ WILLIAM L. MEANEY
MARIE A. CHANDOHAWILLIAM L. MEANEY
/s/ DONNALEE A. DEMAIO/s/ RONALD P. O’HANLEY
DONNALEE A. DEMAIORONALD P. O’HANLEY
/s/ AMELIA C. FAWCETT/s/ SEAN P. O’SULLIVAN
AMELIA C. FAWCETTSEAN P. O’SULLIVAN
/s/ WILLIAM C. FREDA/s/ JULIO A. PORTALATIN
WILLIAM C. FREDAJULIO A. PORTALATIN
/s/ PATRICIA M. HALLIDAY/s/ BRIAN J. PORTER
PATRICIA M. HALLIDAYBRIAN J. PORTER
/s/ SARA MATHEW/s/ JOHN B. RHEA
SARA MATHEWJOHN B. RHEA

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