BNY Mellon
BNY Mellon reported total assets of $30.6 bn at Q2 2026, up 3.5% on a year earlier, the 71st largest of 497 banks in our US coverage. The CET1 capital ratio at BNY Mellon was 15.97%, and the uninsured share of BNY Mellon was 53.68%. Source: FDIC Call Reports.
Key takeaways
- BNY Mellon reports one of the lowest tier 1 leverage ratio readings among banks of $10 bn to $100 bn: 6.52% at , where the median of the 126 banks is 10.25% (FDIC Call Reports).
- The net interest margin of BNY Mellon, 1.13% at , places BNY Mellon in the bottom tenth of banks of $10 bn to $100 bn (group median 3.62%; FDIC Call Reports).
- On common equity tier 1 (CET1) ratio, BNY Mellon climbed from 163rd to 85th among 448 US banks between and (1 = highest; FDIC Call Reports).
What sets BNY Mellon apart
- Among the 126 banks of $10 bn to $100 bn, few report a lower noncurrent loans to total loans than BNY Mellon, at 0.06% in ; the group median is 0.66%.
- BNY Mellon reports one of the lowest net charge-offs to average loans readings among banks of $10 bn to $100 bn: 0.00% at , where the median of the 126 banks is 0.14%.
- At 71.19%, the efficiency ratio of BNY Mellon sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 55.14%.
How large is BNY Mellon?
The balance sheet of BNY Mellon at : assets $30.6 bn, deposits $26.0 bn, net loans $18.6 bn (loans equal to 71.33% of deposits). Securities make up 0.3% of total assets at BNY Mellon. Since , when BNY Mellon held $22.4 bn, its assets grew 36.9%. In the year to , deposits at BNY Mellon rose 4.9% while its total assets rose 3.5%. At , BNY Mellon employed 1,306 full-time equivalent staff across 31 offices, about $23.4 mn of assets per employee and $839.4 mn of deposits per office.
How much funding at BNY Mellon is uninsured?
At BNY Mellon, uninsured deposits (above the FDIC limit) made up 53.68% of domestic deposits at (-2.11 pp on a year earlier); BNY Mellon ranks 58th of 500 on this measure. In dollars, BNY Mellon estimated $14.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $26.0 bn | +4.9% | 69th of 499 |
| Net loans and leases | $18.6 bn | -1.2% | 81st of 500 |
| Loan-to-deposit ratio | 71.33% | -4.40 pp | 415th of 500 |
| Tier 1 leverage ratio | 6.52% | -0.57 pp | 498th of 500 |
| Total risk-based capital ratio | 17.86% | +2.36 pp | 72nd of 448 |
| Net interest margin | 1.13% | -0.01 pp | 495th of 500 |
| Return on assets (ROA) | 0.87% | +0.05 pp | 425th of 500 |
| Efficiency ratio | 71.19% | -0.49 pp | 441st of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $11.0 mn | Narrowed by $1.0 mn | |
| Noncurrent loans to total loans | 0.06% | +0.03 pp | 24th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | 0.00 pp | 50th of 500 (1 = lowest) |
US rank of BNY Mellon: 1 = highest unless marked 1 = lowest.
Balance sheet
BNY Mellon: assets, deposits and loans
- Total assets $30.6bn
- Deposits $26.0bn
- Net loans $18.6bn
Capital and securities
The CET1 ratio of BNY Mellon stood at 15.97% in , +2.03 pp year on year. Low and high at BNY Mellon since : 9.86% () to 15.97% (). Equity capital of BNY Mellon at : $3.5 bn, or 11.6% of total assets. BNY Mellon also reported a total capital ratio of 17.86% for , and a tier 1 leverage ratio of 6.52%.
The available-for-sale portfolio of BNY Mellon showed an unrealized loss of $11.0 mn at ; the loss narrowed by $1.0 mn over the year.
BNY Mellon: capital ratios
- Total capital 18%
- CET1 16%
- Tier 1 leverage 6.5%
BNY Mellon: unrealized securities gains and losses
- Available for sale -$11mn
- Held to maturity $0
Profitability and loan quality
For the year to , BNY Mellon earned a return on equity of 7.66%; return on assets: 0.87%. Net interest margin at BNY Mellon: 1.13%, -0.01 pp in a year. BNY Mellon net income: $135.0 mn, up 8.9% year on year. The efficiency ratio of BNY Mellon was 71.19%: about 71 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 0.06% of total loans at BNY Mellon; net charge-offs: 0.00% of average loans. Gross loans and leases at BNY Mellon: $18.6 bn, down 1.2% in a year.
BNY Mellon: profitability
- Return on equity 7.7%
- Net interest margin 1.1%
- Return on assets 0.9%
Peer group of BNY Mellon
The peer group of BNY Mellon is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of BNY Mellon (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Pennsylvania. Against them, BNY Mellon shows CET1 ratio 15.97% against a peer median of 12.54%, return on equity 7.66% against a peer median of 10.28% and uninsured deposit share 53.68% against a peer median of 36.68%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| TD Bank USA | National bank | DE | $32.1 bn | 31.20% | 3.55% | 1.28% | |
| Glacier Bank | State nonmember bank | MT | $31.6 bn | 12.99% | 8.91% | 33.97% | |
| Eastern Bank | State nonmember bank | MA | $31.1 bn | 12.07% | 8.52% | 41.56% | |
| BNY Mellon | National bank | PA | $30.6 bn | 15.97% | 7.66% | 53.68% | |
| City National Bank of Florida | National bank | FL | $29.1 bn | 14.65% | 11.86% | 51.50% | |
| United Community Bank | State member bank | SC | $29.0 bn | 12.09% | 11.65% | 39.39% | |
| Axos Bank | Federal savings bank | CA | $28.9 bn | 10.93% | 22.41% | 21.23% | |
. FDIC Call Reports.
Last eight quarters
Two years at BNY Mellon, to : assets +2.3%, deposits +3.5%, equity -2.6%. Staff 1,483 to 1,306; offices 32 to 31.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $29.9 bn | $30.5 bn | $30.1 bn | $29.6 bn | $31.3 bn | $31.3 bn | $30.9 bn | $30.6 bn |
| Total deposits | $25.1 bn | $25.8 bn | $25.3 bn | $24.8 bn | $26.5 bn | $26.7 bn | $26.1 bn | $26.0 bn |
| Bank equity capital | $3.6 bn | $3.6 bn | $3.6 bn | $3.7 bn | $3.5 bn | $3.5 bn | $3.5 bn | $3.5 bn |
| CET1 ratio | 13.05% | 12.91% | 13.78% | 13.94% | 14.09% | 14.35% | 15.57% | 15.97% |
| Return on equity (ROE) | 7.50% | 7.56% | 5.54% | 6.83% | 7.67% | 8.02% | 7.06% | 7.66% |
| Uninsured share of domestic deposits | 60.07% | 58.81% | 55.95% | 55.80% | 53.72% | 53.39% | 53.69% | 53.68% |
| Full-time equivalent employees | 1,483 | 1,473 | 1,436 | 1,374 | 1,384 | 1,349 | 1,336 | 1,306 |
| Number of offices | 32 | 32 | 32 | 32 | 31 | 31 | 31 | 31 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by BNY Mellon appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of BNY Mellon?
BNY Mellon reported $30.6 bn at in its Call Report. That makes BNY Mellon the 71st largest of 497 banks in our US coverage.
Is BNY Mellon the same as its holding company?
No. This page covers BNY Mellon, FDIC certificate 7946; BANK OF NY MELLON CORP THE (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is BNY Mellon profitable?
BNY Mellon reported net income of $135.0 mn for the year to ; annualized return on equity: 7.66%. So yes: BNY Mellon made a profit over these months.
When is data for BNY Mellon next updated?
Figures from BNY Mellon for are due after .
Where can I check the figures for BNY Mellon?
In the FDIC BankFind Suite record for certificate 7946, and in the Call Reports of BNY Mellon (RSSD ID 934329) at the FFIEC Central Data Repository.