The Bank of New York Mellon: Texas Ratio
Data as of · sourced from FFIEC call reports. How we update
The Bank of New York Mellon reported a Texas ratio of 0.09% as of Q2 2026, ranking #3,254 of 3,642 U.S. banks (11th percentile). That is down 1.08 percentage points from 1.17% a year earlier, and below the 4.55% median of the 32 Largest US Banks (≥ $100B in assets). The Texas Ratio is the most-cited bank failure indicator. A ratio above 100% historically correlates with elevated failure risk.
12-Quarter Trend
National Context
What is the Texas Ratio?
The Texas Ratio compares a bank's problem assets (nonaccrual and 90-day past due loans, net of government guarantees, plus other real estate owned) to its loss-absorbing capacity (tangible equity plus loan loss reserves). Coined during the 1980s Texas banking crisis, it remains the single most widely cited bank failure indicator.
Under 25%: healthy. 25-50%: above most banks (the median bank is near 3%) but below the 50% level at which problem assets reach half of the capital cushion. 50-100%: watch, problem assets exceed half of loss-absorbing capacity. Over 100%: elevated failure risk; the bank's bad assets exceed its capacity to absorb them. The ratio should be read against trend. A stable 70% is different from a quickly rising 60%.
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What is The Bank of New York Mellon's Texas Ratio?
The Bank of New York Mellon's Texas Ratio was 0.09% as of Q2 2026, ranking #3254 of 3,642 U.S. banks.
What is the Texas Ratio?
The Texas Ratio compares a bank's problem assets (nonaccrual and 90-day past due loans, net of government guarantees, plus other real estate owned) to its loss-absorbing capacity (tangible equity plus loan loss reserves). Coined during the 1980s Texas banking crisis, it remains the single most widely cited bank failure indicator.
More The Bank of New York Mellon metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full The Bank of New York Mellon profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 639) · FFIEC NIC profile (RSSD 541101)