The Bank of New York Mellon Trust Company, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Total risk-based capital ratio: 45.54 percentage points lower than in Q1 2026, at 284.22%. As of Q2 2026, The Bank of New York Mellon Trust Company, N.A. ranks first in California on CET1 ratio among 74 banks, at 283.37%. The Bank of New York Mellon Trust Company, N.A.'s CET1 ratio of 283.37% is well above the 13.48% median for banks in the $1B-10B asset tier, a gap of 269.89 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 283.37% |
| Tier 1 risk-based capital ratio | 283.37% |
| Total risk-based capital ratio | 284.22% |
| Tier 1 leverage ratio | 63.50% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $453.6M |
| Tier 1 capital | $453.6M |
| Total risk-based capital | $455.0M |
| Total equity capital | $1.11B |
| Risk-weighted assets | $160.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 80.65% |
| Tangible equity to tangible assets | 48.55% |
| Equity capital to average assets | 80.76% |
| Internal capital growth rate | -2.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $108.8M |
| Retained earnings | $997.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 335.69% | 335.69% | 336.65% | 48.27% | $118.8M |
| Q4 2023 | 318.00% | 318.00% | 318.57% | 59.78% | $125.9M |
| Q1 2024 | 347.70% | 347.70% | 348.60% | 58.74% | $115.5M |
| Q2 2024 | 328.90% | 328.90% | 329.91% | 56.33% | $116.4M |
| Q3 2024 | 340.07% | 340.07% | 341.01% | 57.60% | $111.5M |
| Q4 2024 | 316.28% | 316.28% | 316.93% | 58.93% | $121.3M |
| Q1 2025 | 325.27% | 325.27% | 325.87% | 64.64% | $127.2M |
| Q2 2025 | 299.47% | 299.47% | 300.17% | 63.25% | $137.9M |
| Q3 2025 | 295.43% | 295.43% | 296.31% | 63.36% | $142.4M |
| Q4 2025 | 285.04% | 285.04% | 286.16% | 63.93% | $150.3M |
| Q1 2026 | 328.65% | 328.65% | 329.76% | 66.01% | $140.0M |
| Q2 2026 | 283.37% | 283.37% | 284.22% | 63.50% | $160.1M |
The Bank of New York Mellon Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of New York Mellon Trust Company, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of New York Mellon Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23472) · FFIEC NIC profile (RSSD 398668)