Bank Safety Analysis
Is BNY (The Bank of New York Mellon) Safe? New York, New York
Based on its Q2 2026 call report, The Bank of New York Mellon meets every capital ratio test for well capitalized, its Texas ratio is 0.09%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is The Bank of New York Mellon safe?
On its Q2 2026 call report, The Bank of New York Mellon's CET1 ratio is 14.56%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 14.56%
- Tier 1 leverage ratio (Q2 2026): 6.20%
- Texas ratio (Q2 2026): 0.09%
- Noncurrent loans ratio (Q2 2026): 0.04%
The Bank of New York Mellon is an FDIC-insured commercial bank (FDIC Certificate #639). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report The Bank of New York Mellon (FDIC Certificate #639) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
The Bank of New York Mellon passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: uninsured deposit share.
Return on assets rose 0.15 percentage points from Q1 2026 to Q2 2026, ending at 1.64% against 1.49%. It was the largest change among the key lines on this page. Within New York, The Bank of New York Mellon is 49th of 82 on CET1 ratio, 14.56% as of Q2 2026. The Bank of New York Mellon reported 14.56% on CET1 ratio for Q2 2026, 0.92 points above the 13.63% median for banks in the >= $250B asset tier. From Q3 2023 to Q2 2026, The Bank of New York Mellon's CET1 ratio ranged between 14.38% (Q1 2026) and 17.57% (Q2 2025) and its Texas ratio ranged between 0.09% (Q2 2026) and 1.26% (Q1 2024). Between Q2 2025 and Q2 2026, The Bank of New York Mellon's CET1 ratio fell from 17.57% to 14.56%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.78% to 0.04%, Texas ratio fell from 1.17% to 0.09% and return on assets rose from 1.34% to 1.64%.
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. Loans for purchasing or carrying securities are its largest loan category, $15.66B of $46.66B in total loans on its June 30, 2026 call report. Against the 18 banks with $250B or more in assets for Q2 2026, The Bank of New York Mellon's CET1 ratio of 14.56% is above the 13.63% median, Tier 1 leverage ratio of 6.20% is below the 9.14% median, nonperforming loans ratio of 0.04% is below the 0.76% median, Texas ratio of 0.09% is below the 3.84% median, and efficiency ratio of 56.49% is above the 53.68% median.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The page therefore shows no score or tier for it.
How does The Bank of New York Mellon score on capital, credit and costs?
Peer cohort: $250B or more (18 banks) · Industry averages as of Q2 2026.
Median of the 18 banks with $250B or more in assets, Q2 2026: 13.63%.
Median of the 18 banks with $250B or more in assets, Q2 2026: 9.14%.
Median of the 18 banks with $250B or more in assets, Q2 2026: 0.76%.
Median of the 18 banks with $250B or more in assets, Q2 2026: 3.84%.
Median of the 18 banks with $250B or more in assets, Q2 2026: 53.68%.
Does The Bank of New York Mellon trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 14.56% | Within range |
| Texas ratio BankRegReports band | 0.09% | Within range |
| Non-performing loan ratio BankRegReports band | 0.04% | Within range |
| Uninsured deposit share BankRegReports band | 68.19% | Flagged |
| Loan-to-deposit ratio BankRegReports band | 12.52% | Within range |
| Commercial real estate to capital supervisory threshold | 24.16% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 9.99% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 14.56% |
| Q1 2026 | 14.38% |
| Q4 2025 | 16.33% |
| Q3 2025 | 16.22% |
| Q2 2025 | 17.57% |
| Q1 2025 | 17.25% |
| Q4 2024 | 16.08% |
| Q3 2024 | 16.89% |
| Q2 2024 | 16.14% |
| Q1 2024 | 15.66% |
| Q4 2023 | 16.29% |
| Q3 2023 | 15.79% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.09% |
| Q1 2026 | 0.25% |
| Q4 2025 | 0.58% |
| Q3 2025 | 0.67% |
| Q2 2025 | 1.17% |
| Q1 2025 | 0.91% |
| Q4 2024 | 0.80% |
| Q3 2024 | 0.90% |
| Q2 2024 | 1.02% |
| Q1 2024 | 1.26% |
| Q4 2023 | 1.06% |
| Q3 2023 | 0.17% |
Loans by type, Q2 2026
- Loans for purchasing or carrying securities: $15.66B
- Loans to depository institutions: $9.49B
- Loans to nondepository financial institutions: $8.94B
- All other loans: $3.31B
- 1-4 family residential loans: $2.27B
- Non-owner-occupied commercial real estate loans: $1.88B
- Commercial and industrial loans: $1.85B
- Multifamily loans: $1.55B
How have The Bank of New York Mellon's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Jun 30, 2026 | $425.12B | 14.56% | 6.20% | 0.04% | 0.09% | 56.49% |
| Mar 31, 2026 | $467.35B | 14.38% | 6.12% | 0.09% | 0.25% | 58.57% |
| Dec 31, 2025 | $381.00B | 16.33% | 6.46% | 0.32% | 0.58% | 59.24% |
| Sep 30, 2025 | $366.50B | 16.22% | 6.49% | 0.39% | 0.67% | 61.03% |
| Jun 30, 2025 | $398.29B | 17.57% | 6.88% | 0.78% | 1.17% | 60.34% |
| Mar 31, 2025 | $356.26B | 17.25% | 6.96% | 0.57% | 0.91% | 62.64% |
| Dec 31, 2024 | $335.95B | 16.08% | 6.31% | 0.45% | 0.80% | 65.62% |
| Sep 30, 2024 | $348.08B | 16.89% | 6.65% | 0.55% | 0.90% | 64.18% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
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). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is The Bank of New York Mellon well capitalized?
On its Q2 2026 call report, The Bank of New York Mellon's CET1 ratio is 14.56%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are The Bank of New York Mellon's key safety ratios?
For Q2 2026, The Bank of New York Mellon reports CET1 14.56%, leverage 6.20%, Texas ratio 0.09%, noncurrent loans 0.04%. Its Texas ratio compares with the 3.84% median for the 18 banks with $250B or more in assets.
What happens to my deposits if The Bank of New York Mellon fails?
For Q2 2026, The Bank of New York Mellon reported $372.56B in total deposits, 68.19% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full The Bank of New York Mellon profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (well-capitalized plus buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 639) · FFIEC NIC profile (RSSD 541101)
Explore: Full The Bank of New York Mellon profile · Other banks in NY · Metric glossary · How the call report works