The Bank of New York Mellon
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Data as of · sourced from FFIEC call reports. How we update
The Bank of New York Mellon is an FDIC-insured commercial bank headquartered in New York, NY, supervised by the Federal Reserve, with $425.12B in total assets at Q2 2026, up 6.7% from Q2 2025, the 2nd largest of 105 banks headquartered in New York. It was established in 1851 and holds FDIC certificate 639. Its CET1 capital ratio was 14.56% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 639
- Headquarters
- New York, NY
- Established
- 1851
- Total assets, Q2 2026
- $425.12B
- Assets vs Q2 2025
- +6.7%
- CET1 ratio, Q2 2026
- 14.56%
- Domestic offices
- 13 · The Bank of New York Mellon branches FDIC institution directory, current count
- Routing number
- 021000018
- Safety and soundness
- Is The Bank of New York Mellon safe?
- Latest call report
- Q2 2026, FFIEC 031 · The Bank of New York Mellon call report
- Holding company
- BANK OF NEW YORK MELLON CORPORATION, THE
- Asset rank in state
- 2nd of 105 in New York
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 13 domestic branches. It returns 20.7% a year on shareholders' equity, higher than about 9 in 10 of the 18 US banks with $250 billion or more 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 0.04% and a Texas ratio of 0.09%. The figures come from its call report filed with the FFIEC.
The Bank of New York Mellon ranks as the 2nd largest of the 105 banks based in New York, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 9.0% to $425.12B, loans fell 22.8% and deposits fell 11.2%. Its loan book on June 30, 2026 was led by loans for purchasing or carrying securities, at 33.6% of total loans, followed by loans to depository institutions at 20.3%. Its 10 offices in the FDIC Summary of Deposits are in 8 cities across 7 states; its New York 3 offices book 100% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Bank of New York Mellon meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 13 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Bank of New York Mellon's total assets ranged from $328.47B (Q3 2023) to $467.35B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$425.12B total assets against $398.29B; $395.67B total liabilities against $367.38B.
$46.46B net loans and leases against $35.21B; $372.56B total deposits against $348.13B.
$155.52B securities against $146.82B; $152.39B cash and balances due against $149.97B.
$5.06B total interest income against $5.72B; $3.62B total interest expense against $4.49B.
$1.44B net interest income against $1.23B.
$3.13B total noninterest income against $2.76B; $2.58B total noninterest expense against $2.41B.
-$4.0M provision for credit losses against -$16.0M.
$1.52B net income against $1.20B.
1.64% return on assets against 1.34%; 1.72% net interest margin against 1.53%.
14.56% CET1 capital ratio against 17.57%; 6.20% tier 1 leverage ratio against 6.88%.
Inside the full The Bank of New York Mellon terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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
Its closest position to the top of a national ranking is 10 of 4,196, for total assets; its furthest is 3,252 of 3,640, for Texas Ratio.
Metric pages for The Bank of New York Mellon: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.08% (Q4 2024) to 1.64% (Q2 2026) and its net interest margin ran from 1.39% (Q3 2024) to 1.72% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.56% | 1.64% | 0.04% | 0.09% | 1.72% |
| Q1 2026 | 14.38% | 1.49% | 0.09% | 0.25% | 1.66% |
| Q4 2025 | 16.33% | 1.49% | 0.32% | 0.58% | 1.66% |
| Q3 2025 | 16.22% | 1.37% | 0.39% | 0.67% | 1.61% |
| Q2 2025 | 17.57% | 1.34% | 0.78% | 1.17% | 1.53% |
| Q1 2025 | 17.25% | 1.30% | 0.57% | 0.91% | 1.57% |
| Q4 2024 | 16.08% | 1.08% | 0.45% | 0.80% | 1.55% |
| Q3 2024 | 16.89% | 1.14% | 0.55% | 0.90% | 1.39% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 American 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 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| October 7, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | Structure Change | Acquired Nanuet National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 18, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 The Bank of New York Southern Tier 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
Facts as filed or published, not a rating.
- 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 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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
- 132 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Mortgage lending (HMDA), CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is The Bank of New York Mellon headquartered?
It is headquartered in New York, NY, United States.
When was The Bank of New York Mellon founded?
It was established in 1851, per the FDIC institution directory.
Is The Bank of New York Mellon FDIC-insured?
Yes. It 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.
What is The Bank of New York Mellon's CET1 capital ratio?
It 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?
It operates 13 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?
Its Texas Ratio is 0.09% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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