BNY Mellon, N.A.
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Data as of · sourced from FFIEC call reports. How we update
BNY Mellon, N.A. is an FDIC-insured commercial bank headquartered in Pittsburgh, PA, established in 1869 (FDIC certificate 7946), and it is supervised by the OCC. At Q2 2026 it reported total assets of $30.62B, up 3.5% from Q2 2025, the 3rd largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 15.96% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7946
- Headquarters
- Pittsburgh, PA
- Established
- 1869
- Total assets, Q2 2026
- $30.62B
- Assets vs Q2 2025
- +3.5%
- CET1 ratio, Q2 2026
- 15.96%
- Domestic offices
- 29 FDIC institution directory, current count
- Routing number
- 043019265
- Latest call report
- Q2 2026, FFIEC 031 · BNY Mellon, N.A. call report
- Holding company
- BANK OF NEW YORK MELLON CORPORATION, THE
- Asset rank in state
- 3rd of 109 in Pennsylvania
BNY Mellon, N.A., based in Pittsburgh, Pennsylvania, reported $30.6 billion in assets at June 30, 2026, up 3.5% from a year earlier. It keeps 1.12 cents of net interest income on every dollar of earning assets, about a third the median of 3.63 cents for the 127 banks with $10 billion to $100 billion in assets. It also pays an average of 3.14% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.92%).
Loans and deposits moved in opposite directions: over the year loans fell 1.2% and deposits rose 4.9%. Where it has less room is capital: it funds 6.52% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.25%).
As of June 30, 2026, BNY Mellon, N.A. reported a CET1 capital ratio of 15.96%, a return on assets of 0.96%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.70%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, BNY Mellon, N.A. is the 3rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.0% to $30.62B, loans were flat and deposits fell 0.4%. Loans for purchasing or carrying securities made up 43.8% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 43.8%. Its 26 offices in the FDIC Summary of Deposits are in 26 cities across 16 states; its Pittsburgh office books 100% of its branch deposits. Judged on its Q2 2026 call report, BNY Mellon, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 500 Grant St, Pittsburgh, PA 15258
- County
- Allegheny
- Metro Area
- Pittsburgh, PA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1869
- Former names
- Mellon Bank, N. A. (1972-2008); Mellon National Bank and Trust Company (1946-1972); Mellon National Bank (1944-1946)
- Domestic offices
- 29 FDIC institution directory, current count
- Employees (FTE)
- 1,306
- Domestic deposits
- $26.02B
- Allowance for credit losses
- $21.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $30.54B
- Average total loans
- $18.58B
- Average interest-bearing deposits
- $25.34B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7946
- Fed RSSD
- 934329
- 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, BNY Mellon, N.A.'s total assets ranged from $29.58B (Q2 2025) to $31.33B (Q4 2025), 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
$30.62B total assets against $29.58B; $27.07B total liabilities against $25.91B.
$18.56B net loans and leases against $18.79B; $26.02B total deposits against $24.81B.
$89.0M securities against $97.0M; $7.75B cash and balances due against $6.02B.
$290.0M total interest income against $315.0M; $211.0M total interest expense against $238.0M.
$79.0M net interest income against $77.0M.
$224.0M total noninterest income against $206.0M; $210.0M total noninterest expense against $186.0M.
-$5.0M provision for credit losses against -$1.0M.
$73.0M net income against $74.0M.
0.96% return on assets against 0.99%; 1.12% net interest margin against 1.12%.
15.96% CET1 capital ratio against 13.94%; 6.52% tier 1 leverage ratio against 7.09%.
Inside the full BNY Mellon, N.A. 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.
BNY Mellon, N.A. rankings
Its closest position to the top of a national ranking is 70 of 4,196, for total assets; its furthest is 2,862 of 3,640, for Texas Ratio.
Metric pages for BNY Mellon, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.66% (Q1 2025) to 1.09% (Q3 2025) and its net interest margin ran from 1.12% (Q2 2025) to 1.22% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.96% | 0.96% | 0.06% | 0.70% | 1.12% |
| Q1 2026 | 15.57% | 0.80% | 0.06% | 0.70% | 1.15% |
| Q4 2025 | 14.35% | 1.03% | 0.05% | 0.61% | 1.16% |
| Q3 2025 | 14.09% | 1.09% | 0.05% | 0.60% | 1.12% |
| Q2 2025 | 13.94% | 0.99% | 0.03% | 0.40% | 1.12% |
| Q1 2025 | 13.78% | 0.66% | 0.03% | 0.41% | 1.15% |
| Q4 2024 | 12.91% | 0.93% | 0.05% | 0.58% | 1.22% |
| Q3 2024 | 13.05% | 1.02% | 0.07% | 0.66% | 1.18% |
Swipe the table sideways to see every column.
Branch Network
View all 26 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 |
|---|---|---|---|
| BNY Mellon, N.A. (main office) | Pittsburgh , PA | 15258 | $26.02B |
| Center City Branch | Philadelphia , PA | 19103 | $0 |
| Greenville Branch | Greenville , DE | 19807 | $0 |
| Seattle Branch | Seattle , WA | 98101 | $0 |
| Newport Beach Branch | Newport Beach , CA | 92660 | $0 |
| San Francisco Branch | San Francisco , CA | 94105 | $0 |
| Boston Branch | Boston , MA | 02108 | $0 |
| Garden City Office Branch | Garden City , NY | 11530 | $0 |
| Cleveland Office Branch | Beachwood , OH | 44122 | $0 |
| Dallas Office Branch | Dallas , TX | 75219 | $0 |
| Century City Office Branch | Los Angeles , CA | 90067 | $0 |
| Denver Office Branch | Denver , CO | 80206 | $0 |
| Washington D.C. Office Branch | Washington , DC | 20005 | $0 |
| Miami Office Branch | Miami , FL | 33131 | $0 |
| Naples Office Branch | Naples , FL | 34103 | $0 |
| West Palm Beach Office Branch | West Palm Beach , FL | 33401 | $0 |
| Tampa Office Branch | Tampa , FL | 33607 | $0 |
| Atlanta Office Branch | Atlanta , GA | 30305 | $0 |
| Chicago Office Branch | Chicago , IL | 60606 | $0 |
| Berkeley Heights Office Branch | Berkeley Heights , NJ | 07922 | $0 |
| Las Vegas Office Branch | Las Vegas , NV | 89135 | $0 |
| Houston Office Branch | Houston , TX | 77019 | $0 |
| Menlo Park Trust Office Branch | Menlo Park , CA | 94025 | $0 |
| Lake Mary Office Branch | Lake Mary , FL | 32746 | $0 |
| Park Avenue Office | New York , NY | 10166 | $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 6, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 6, 2009 | Structure Change | Acquired The Bank of New York Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 | Sale of Assets | FFIEC NIC |
| January 15, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 2008 | Structure Change | Acquired Mellon Private Trust Company, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 14, 2007 | Structure Change | Acquired Cleartran, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 15, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 15, 2003 | Structure Change | Acquired Mellon Bank Delaware, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2001 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| April 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2000 | Structure Change | Acquired Mellon Bank MD National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 23, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 23, 1996 | Structure Change | Acquired Mellon PSFS (NJ) National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 20, 1995 | Structure Change | Acquired Glendale Bank of Pennsylvania Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 19, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 12, 1992 | Structure Change | Acquired Meritor Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 11, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1991 | Structure Change | Acquired United Penn Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1991 | Structure Change | Acquired The Commonwealth National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1991 | Structure Change | Acquired Mellon Bank (East) PSFS, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 7, 1985 | Structure Change | Acquired The Citizens National Bank of New Castle Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 7, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 26, 1951 | Structure Change | Acquired Parnassus National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 28 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC); 12 against individuals associated with it
- January 5, 2001, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Mellon Bank, N.A.
- January 17, 1992, OCC: Civil Money Penalty (CMP): Mellon Bank, N.A.
- January 17, 1992, OCC: Securities Enforcement Action: Mellon Bank, N.A.
- Period: Most recent institution action January 5, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.6% of deposits in PA, rank 4 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 682 applications, 527 loans originated, $699.5M originated, across 45 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $40K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (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
- 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 BNY Mellon, N.A.
What are BNY Mellon, N.A.'s total assets?
As of the Q2 2026 filing, BNY Mellon, N.A. reported total assets of $30.62 billion in its FFIEC call report.
Where is BNY Mellon, N.A. headquartered?
It is headquartered in Pittsburgh, PA, United States.
When was BNY Mellon, N.A. founded?
It was established in 1869, per the FDIC institution directory.
Is BNY Mellon, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7946). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BNY Mellon, N.A.?
BNY Mellon, N.A.'s primary federal regulator is the OCC.
What is BNY Mellon, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does BNY Mellon, N.A. operate?
It operates 29 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BNY Mellon, N.A.'s Texas Ratio?
Its Texas Ratio is 0.70% 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 BNY Mellon, N.A. previously called?
The charter now named BNY Mellon, N.A. has also operated as Mellon Bank, N. A. (1972-2008), Mellon National Bank and Trust Company (1946-1972), Mellon National Bank (1944-1946), per FDIC structure-change records.
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