BNY Mellon, 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 Reserve coverage of non-performing loans: 9.43 percentage points lower than in Q1 2026, at 39.62%. Within Pennsylvania, BNY Mellon, N.A. is 62nd of 109 on return on assets, 0.96% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 1.30% on return on assets. BNY Mellon, N.A. sits 0.34 points lower, at 0.96% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.73% |
| Tier 1 risk-based capital ratio | 24.73% |
| Total risk-based capital ratio | 27.53% |
| Tier 1 leverage ratio | 6.52% |
| Equity capital to assets | 11.59% |
| Tangible equity to tangible assets | 6.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.29% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.94% |
| Allowance for credit losses to loans | 0.11% |
| Reserve coverage of non-performing loans | 39.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.96% |
| Return on equity | 8.25% |
| Net interest margin | 1.12% |
| Efficiency ratio | 68.98% |
| Yield on earning assets | 4.11% |
| Cost of funds | 3.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.41% |
| Core deposits to total deposits | 41.22% |
| Brokered deposits to total deposits | 31.61% |
| Deposits to assets | 84.99% |
| Securities to assets | 0.29% |
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 | 31.62% | 31.62% | 34.46% | 7.72% | 1.02% |
| Q4 2023 | 31.61% | 31.61% | 34.38% | 8.10% | 0.36% |
| Q1 2024 | 27.08% | 27.08% | 29.82% | 6.98% | 0.78% |
| Q2 2024 | 25.53% | 25.53% | 28.18% | 6.86% | 0.97% |
| Q3 2024 | 25.35% | 25.35% | 28.02% | 6.88% | 1.02% |
| Q4 2024 | 24.79% | 24.79% | 27.39% | 6.78% | 0.93% |
| Q1 2025 | 25.19% | 25.19% | 27.84% | 6.80% | 0.66% |
| Q2 2025 | 25.75% | 25.75% | 28.39% | 7.09% | 0.99% |
| Q3 2025 | 24.38% | 24.38% | 27.14% | 6.36% | 1.09% |
| Q4 2025 | 23.79% | 23.79% | 26.47% | 6.24% | 1.03% |
| Q1 2026 | 26.29% | 26.29% | 29.35% | 6.37% | 0.80% |
| Q2 2026 | 24.73% | 24.73% | 27.53% | 6.52% | 0.96% |
BNY Mellon, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock BNY Mellon, 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 BNY Mellon, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7946) · FFIEC NIC profile (RSSD 934329)