BNY Mellon, 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%.
Accumulated other comprehensive income dropped 12.5% in Q2 2026, from -$8.0M to -$9.0M. It was the largest change from Q1 2026 among the key lines here. BNY Mellon, N.A. ranks 13th of 72 Pennsylvania banks on CET1 ratio, in the upper half at 24.73% (Q2 2026). BNY Mellon, N.A.'s CET1 ratio of 24.73% is well above the 12.96% median for banks in the $10B-100B asset tier, a gap of 11.78 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 24.73% |
| Tier 1 risk-based capital ratio | 24.73% |
| Total risk-based capital ratio | 27.53% |
| Tier 1 leverage ratio | 6.52% |
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 | $1.88B |
| Tier 1 capital | $1.88B |
| Total risk-based capital | $2.10B |
| Total equity capital | $3.55B |
| Risk-weighted assets | $11.78B |
Ratios recomputed from the amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital / risk-weighted assets | 15.97% |
| Tier 1 capital / risk-weighted assets | 15.97% |
| Total risk-based capital / risk-weighted assets | 17.86% |
For this bank the reported ratios above do not equal the capital amounts divided by risk-weighted assets. Large banks can report risk-based capital under more than one regulatory approach, and the reported ratio and the risk-weighted assets shown here may come from different approaches. These rows divide the reported capital amounts by the reported risk-weighted assets. The lower of the two figures is the more conservative reading.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.59% |
| Tangible equity to tangible assets | 6.39% |
| Equity capital to average assets | 11.62% |
| Internal capital growth rate | 1.47% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $167.0M |
| Common stock surplus | $1.92B |
| Retained earnings | $1.47B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.0M |
| Subordinated notes and debentures | $200.0M |
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 | 31.62% | 31.62% | 34.46% | 7.72% | $15.56B |
| Q4 2023 | 31.61% | 31.61% | 34.38% | 8.10% | $15.27B |
| Q1 2024 | 27.08% | 27.08% | 29.82% | 6.98% | $15.11B |
| Q2 2024 | 25.53% | 25.53% | 28.18% | 6.86% | $14.99B |
| Q3 2024 | 25.35% | 25.35% | 28.02% | 6.88% | $15.07B |
| Q4 2024 | 24.79% | 24.79% | 27.39% | 6.78% | $14.85B |
| Q1 2025 | 25.19% | 25.19% | 27.84% | 6.80% | $14.21B |
| Q2 2025 | 25.75% | 25.75% | 28.39% | 7.09% | $14.29B |
| Q3 2025 | 24.38% | 24.38% | 27.14% | 6.36% | $13.03B |
| Q4 2025 | 23.79% | 23.79% | 26.47% | 6.24% | $12.72B |
| Q1 2026 | 26.29% | 26.29% | 29.35% | 6.37% | $11.93B |
| Q2 2026 | 24.73% | 24.73% | 27.53% | 6.52% | $11.78B |
BNY Mellon, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock BNY Mellon, 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 BNY Mellon, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7946) · FFIEC NIC profile (RSSD 934329)