The Bank of New York Mellon

What sets The Bank of New York Mellon apart

• Few banks of over $100 bn report a higher uninsured share of domestic deposits than The Bank of New York Mellon, at 99.26% in Q2 2026 against a group median of 44.87%.
• The Bank of New York Mellon reports one of the lowest tier 1 leverage ratio readings among banks of over $100 bn: 6.20% at Q2 2026, where the median of the 32 banks is 9.44%.
• The net interest margin of The Bank of New York Mellon, 1.47% at Q2 2026, places The Bank of New York Mellon in the bottom tenth of banks of over $100 bn (group median 3.14%).

How large is The Bank of New York Mellon?

The balance sheet of The Bank of New York Mellon at Q2 2026: assets $425.1 bn, deposits $372.6 bn, net loans $46.5 bn (loans equal to 12.47% of deposits). Securities make up 36.6% of total assets at The Bank of New York Mellon. Since Q1 2016, when The Bank of New York Mellon held $299.8 bn, its assets grew 41.8%. In the year to Q2 2026, deposits at The Bank of New York Mellon rose 7.0% while its total assets rose 6.7%. At Q2 2026, The Bank of New York Mellon employed 38,935 full-time equivalent staff across 27 offices, about $10.9 mn of assets per employee and $13.8 bn of deposits per office.

How much funding at The Bank of New York Mellon is uninsured?

At The Bank of New York Mellon, uninsured deposits (above the FDIC limit) made up 99.26% of domestic deposits at Q2 2026 (+4.91 pp on a year earlier); The Bank of New York Mellon ranks 3rd of 500 on this measure. In dollars, The Bank of New York Mellon estimated $254.0 bn of uninsured deposits.

Key facts, Q2 2026

US rank of The Bank of New York Mellon: 1 = highest unless marked 1 = lowest.

The CET1 ratio of The Bank of New York Mellon stood at 14.56% in Q2 2026, -3.01 pp year on year. Low and high at The Bank of New York Mellon since Q1 2016: 11.98% (Q2 2016) to 17.57% (Q2 2025). Equity capital of The Bank of New York Mellon at Q2 2026: $29.4 bn, or 6.9% of total assets. The Bank of New York Mellon also reported a total capital ratio of 14.76% for Q2 2026, and a tier 1 leverage ratio of 6.20%.

On held-to-maturity securities, The Bank of New York Mellon carried an unrealized loss of $2.9 bn at Q2 2026, equal to 10.0% of equity capital. The loss narrowed by $495.0 mn over the year. Its deepest point: $6.8 bn in Q3 2023. The available-for-sale portfolio of The Bank of New York Mellon showed an unrealized loss of $697.0 mn at Q2 2026; the loss narrowed by $292.0 mn over the year.

For the year to Q2 2026, The Bank of New York Mellon earned a return on equity of 19.63%; return on assets: 1.36%. Net interest margin at The Bank of New York Mellon: 1.47%, -0.01 pp in a year. The Bank of New York Mellon net income: $2.9 bn, up 26.6% year on year. The efficiency ratio of The Bank of New York Mellon was 57.49%: about 57 cents cost per revenue dollar, against 56 cents at the median peer.

At Q2 2026, noncurrent loans were 0.04% of total loans at The Bank of New York Mellon; net charge-offs: -0.05% of average loans. Gross loans and leases at The Bank of New York Mellon: $46.7 bn, up 31.6% in a year.

The peer group of The Bank of New York Mellon is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 1 shares the charter type of The Bank of New York Mellon (state member bank), 6 sit in the same size group (over $100 bn) and 0 have head offices in New York. Against them, The Bank of New York Mellon shows CET1 ratio 14.56% against a peer median of 13.96%, return on equity 19.63% against a peer median of 11.97% and uninsured deposit share 99.26% against a peer median of 44.40%.

No merger or acquisition by The Bank of New York Mellon appears in the FDIC history since Q1 2016, and its total assets never moved more than 25% in one quarter.