The Bank of New York Mellon: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Bank of New York Mellon is the 10th-largest bank in the United States, with $425.1 billion in assets at June 30, 2026, up 6.7% from a year earlier. It is headquartered in New York, New York, and operates 26 domestic branches. It returns 20.7% a year on shareholders' equity, higher than about 9 in 10 of the 18 US banks with more than $250 billion in assets (median 13.4%). On the other hand, it keeps 1.72 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 2.88 cents).
Loans are outrunning deposits: over the year loans rose 31.6% and deposits rose 7.0%. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.04% of loans from 0.78%. Funding is the softer spot: it pays an average of 3.80% on its deposits and borrowings, about double the median of 1.94% for banks its size.
As of June 30, 2026, The Bank of New York Mellon reported a CET1 capital ratio of 14.56%, a return on assets of 1.64%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 0.09%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 240 E Greenwich St, New York, NY 10007
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1851
- Former names
- The Bank of New York Mellon (2008); The Bank of New York (1989-2008)
- Offices
- 26 domestic
- Employees (FTE)
- 38,935
- Domestic deposits
- $255.94B
- Allowance for credit losses
- $200.0M
- Net charge-offs (YTD)
- -$12.0M
- Average total assets
- $370.82B
- Average total loans
- $44.14B
- Average interest-bearing deposits
- $252.93B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 639
- Fed RSSD
- 541101
- SEC CIK
- 1390777 → filed by BANK OF NEW YORK MELLON CORPORATION, THE
- Website
- www.bny.com →
- Parent Holding Company
- BANK OF NEW YORK MELLON CORPORATION, THE (RSSD 3587146) · BNY
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Robin A. Vince | CEO | Chairman & CEO |
| Dermot Mcdonogh | CFO | Chief Financial Officer |
| Mccarthy J Kevin | GC | SEVP & General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Bank of New York Mellon terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Bank of New York Mellon, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
The Bank of New York Mellon rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for The Bank of New York Mellon: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.56% | 1.64% | 0.42% | 0.09% | 1.72% |
| Q1 2026 | 14.38% | 1.49% | 0.29% | 0.25% | 1.66% |
| Q4 2025 | 16.33% | 1.49% | 0.62% | 0.58% | 1.66% |
| Q3 2025 | 16.22% | 1.37% | 0.79% | 0.67% | 1.61% |
| Q2 2025 | 17.57% | 1.34% | 0.50% | 1.17% | 1.53% |
| Q1 2025 | 17.25% | 1.30% | 0.72% | 0.91% | 1.57% |
| Q4 2024 | 16.08% | 1.08% | 0.52% | 0.80% | 1.55% |
| Q3 2024 | 16.89% | 1.14% | 0.71% | 0.90% | 1.39% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of New York Mellon | New York , NY | 10007 | $250.43B |
| Gss Branch | New York , NY | 10007 | $5.51B |
| 1250 H Street, NW Branch | Washington , DC | 20005 | $0 |
| One Pershing Plaza Trust Office Branch | Jersey City , NJ | 07399 | $0 |
| 101 Second Street Branch | San Francisco , CA | 94105 | $0 |
| 200 Park Avenue Branch | New York , NY | 10166 | $0 |
| One Boston Place Branch | Boston , MA | 02108 | $0 |
| 144 Glenn Curtiss Boulevard Branch | Uniondale , NY | 11556 | $0 |
| 601 Travis Street Branch | Houston , TX | 77002 | $0 |
| 500 Ross Street Trust Office | Pittsburgh , PA | 15219 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2008 | Structure Change | Acquired Mellon Trust of New England, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2008 | Structure Change | Acquired BNY Mellon, N.A. Sale of Assets for the acquired bank | FFIEC NIC |
| December 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1996 | Structure Change | Acquired The Bank of New York Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 13, 1992 | Structure Change | Acquired Riverhead Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 12, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 20, 1991 | Structure Change | Acquired Ensign Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 7, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 7, 1989 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| September 15, 1989 | Structure Change | Acquired Bank of Long Island Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 1989 | Structure Change | Acquired Scarsdale National Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 18, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 18, 1989 | Structure Change | Acquired Nanuet National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 4, 1989 | Structure Change | Acquired Dutchess Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 17, 1987 | Structure Change | Acquired Long Island Trust Company, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 11, 1980 | Structure Change | Acquired Empire National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1976 | Structure Change | Acquired Valley Bank of New York Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 7, 1966 | Structure Change | Acquired Empire Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 19 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for The Bank of New York Mellon, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (Federal Reserve)
- August 28, 2018, Federal Reserve: Civil Money Penalty, $16,000: The Bank of New York Mellon
- April 13, 2012, Federal Reserve: Civil Money Penalty, $6,000,000: THE BANK OF NEW YORK MELLON, New York, New York
- Period: Most recent institution action August 28, 2018. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 9.2% of deposits in NY, rank 3 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $120K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 131 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Bank of New York Mellon
What are The Bank of New York Mellon's total assets?
As of the Q2 2026 filing, The Bank of New York Mellon reported total assets of $425.12 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bank of New York Mellon headquartered?
The Bank of New York Mellon is headquartered in New York, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Bank of New York Mellon founded?
The Bank of New York Mellon was established in 1851, per the FDIC institution directory.
Is The Bank of New York Mellon FDIC-insured?
Yes. The Bank of New York Mellon is an FDIC-insured commercial bank (FDIC Certificate #639). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of New York Mellon?
The Bank of New York Mellon's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Bank of New York Mellon's CET1 capital ratio?
The Bank of New York Mellon reported a Common Equity Tier 1 (CET1) capital ratio of 14.56% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of New York Mellon operate?
The Bank of New York Mellon operates 26 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of New York Mellon's Texas Ratio?
The Bank of New York Mellon's Texas Ratio is 0.09% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Bank of New York Mellon previously called?
The charter now named The Bank of New York Mellon has also operated as The Bank of New York Mellon (2008), The Bank of New York (1989-2008), per FDIC structure-change records.
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