BNY Mellon, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 2.68 percentage points lower than in Q1 2026, at 41.27%. Within Pennsylvania, BNY Mellon, N.A. is 92nd of 109 on loan-to-deposit ratio, 71.41% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. BNY Mellon, N.A. sits 15.42 points lower, at 71.41% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $18.58B |
| Net loans and leases | $18.56B |
| Loans held for sale | $0 |
| Loans to total assets | 60.69% |
| Loan-to-deposit ratio | 71.41% |
| Net loans to equity capital | 5.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.62% |
| Multifamily (5+ residential) | 0.59% |
| Commercial and industrial | 0.87% |
| Consumer | 0.38% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 41.27% |
| Construction concentration (Tier 1 capital + allowance) | 1.58% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.31% |
| Interest income on loans | $200.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $19.09B | $25.30B | 3.05% | 1.17% | 17.50% |
| Q4 2023 | $18.85B | $25.23B | 3.10% | 1.44% | 16.87% |
| Q1 2024 | $18.62B | $25.73B | 3.18% | 1.14% | 16.73% |
| Q2 2024 | $18.37B | $25.65B | 3.34% | 1.21% | 15.99% |
| Q3 2024 | $18.30B | $25.13B | 3.50% | 1.21% | 15.91% |
| Q4 2024 | $18.16B | $25.82B | 3.42% | 1.19% | 15.87% |
| Q1 2025 | $18.31B | $25.33B | 3.45% | 1.47% | 16.44% |
| Q2 2025 | $18.81B | $24.81B | 3.69% | 4.85% | 16.75% |
| Q3 2025 | $18.72B | $26.50B | 3.71% | 4.96% | 17.34% |
| Q4 2025 | $18.80B | $26.73B | 3.75% | 4.84% | 17.73% |
| Q1 2026 | $18.58B | $26.14B | 3.67% | 0.50% | 0.58% |
| Q2 2026 | $18.58B | $26.02B | 3.62% | 0.87% | 0.38% |
BNY Mellon, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock BNY Mellon, N.A., freeSource: Call Report Schedule RC-C, 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)