The Bank of New York Mellon Trust Company, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
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%. On return on assets, The Bank of New York Mellon Trust Company, N.A. ranks 2nd highest among the 114 banks headquartered in California, at 14.08% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, The Bank of New York Mellon Trust Company, N.A. reported 14.08% on return on assets in Q2 2026, 12.80 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 283.37% |
| Tier 1 risk-based capital ratio | 283.37% |
| Total risk-based capital ratio | 284.22% |
| Tier 1 leverage ratio | 63.50% |
| Equity capital to assets | 80.65% |
| Tangible equity to tangible assets | 48.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 14.08% |
| Return on equity | 17.38% |
| Net interest margin | 3.68% |
| Efficiency ratio | 44.71% |
| Yield on earning assets | 3.68% |
| Cost of funds | 0.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 0.16% |
| Securities to assets | 0.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 335.69% | 335.69% | 336.65% | 48.27% | 16.88% |
| Q4 2023 | 318.00% | 318.00% | 318.57% | 59.78% | 18.77% |
| Q1 2024 | 347.70% | 347.70% | 348.60% | 58.74% | 18.88% |
| Q2 2024 | 328.90% | 328.90% | 329.91% | 56.33% | 18.86% |
| Q3 2024 | 340.07% | 340.07% | 341.01% | 57.60% | 18.86% |
| Q4 2024 | 316.28% | 316.28% | 316.93% | 58.93% | 18.35% |
| Q1 2025 | 325.27% | 325.27% | 325.87% | 64.64% | 16.32% |
| Q2 2025 | 299.47% | 299.47% | 300.17% | 63.25% | 15.85% |
| Q3 2025 | 295.43% | 295.43% | 296.31% | 63.36% | 18.01% |
| Q4 2025 | 285.04% | 285.04% | 286.16% | 63.93% | 17.90% |
| Q1 2026 | 328.65% | 328.65% | 329.76% | 66.01% | 16.71% |
| Q2 2026 | 283.37% | 283.37% | 284.22% | 63.50% | 14.08% |
The Bank of New York Mellon Trust Company, N.A. vital signs, all the way back
Vital Signs 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 Schedules RC, RC-N, RC-R and RI, 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)