BNY Mellon Trust of Delaware
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Data as of · sourced from FFIEC call reports. How we update
BNY Mellon Trust of Delaware is an FDIC-insured commercial bank headquartered in Wilmington, DE, established in 1983 (FDIC certificate 24867), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $254.9M, down 22.9% from Q2 2025, the 13th largest of 16 banks headquartered in Delaware.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 24867
- Headquarters
- Wilmington, DE
- Established
- 1983
- Total assets, Q2 2026
- $254.9M
- Assets vs Q2 2025
- -22.9%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 031100351
- Latest call report
- Q2 2026, FFIEC 031 · BNY Mellon Trust of Delaware call report
- Holding company
- B.N.Y. HOLDINGS (DELAWARE) CORPORATION
- Asset rank in state
- 13th of 16 in Delaware
BNY Mellon Trust of Delaware runs leaner than most banks of its size. It reported $255 million in assets at June 30, 2026, down 22.9% from a year earlier. It spends about 25 cents to bring in each dollar of revenue, about a third the median of 61 cents for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 0.00% on its deposits and borrowings, lower than about 9 in 10 banks its size (median 1.80%).
The balance sheet shrank over the year: over the year loans fell 12.8% and deposits fell 35.1%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 2.48% of loans, down from 2.66% a year earlier.
As of June 30, 2026, BNY Mellon Trust of Delaware reported a CET1 capital ratio of 164.90%, a return on assets of 5.97%, a nonperforming-loan ratio of 2.48% and a Texas ratio of 0.30%. The figures come from its call report filed with the FFIEC.
BNY Mellon Trust of Delaware ranks as the 13th largest of the 16 banks based in Delaware, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $254.9M, loans fell 3.8% and deposits rose 2.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 100.0% of total loans. Its one office in the FDIC Summary of Deposits is in Wilmington, DE. Judged on its Q2 2026 call report, BNY Mellon Trust of Delaware meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 103 Bellevue Parkway, Wilmington, DE 19809
- County
- New Castle
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- December 31, 1983
- Former names
- BNYM (Delaware) (2008)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $150.5M
- Allowance for credit losses
- $15K
- Net charge-offs (YTD)
- $0
- Average total assets
- $236.9M
- Average total loans
- $6.7M
- Average interest-bearing deposits
- $1.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 31, 1983
- FDIC Cert
- 24867
- Fed RSSD
- 488318
- SEC CIK
- 1390777 → filed by BANK OF NEW YORK MELLON CORPORATION, THE
- Website
- www.bny.com →
- Parent Holding Company
- B.N.Y. HOLDINGS (DELAWARE) CORPORATION (RSSD 1023220)
- Ultimate Parent
- BANK OF NEW YORK MELLON CORPORATION, THE (RSSD 3587146)
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 Trust of Delaware's total assets ranged from $186.8M (Q3 2023) to $330.5M (Q2 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
$254.9M total assets against $330.5M; $153.2M total liabilities against $234.6M.
$6.6M net loans and leases against $7.5M; $150.5M total deposits against $232.1M.
$0 securities against $0; $175.4M cash and balances due against $252.7M.
$1.5M total interest income against $1.7M; $0 total interest expense against $2K.
$1.5M net interest income against $1.7M.
$4.8M total noninterest income against $4.2M; $1.6M total noninterest expense against $1.4M.
$13K provision for credit losses against -$37K.
$3.5M net income against $3.4M.
5.97% return on assets against 6.14%; 3.72% net interest margin against 4.53%.
164.90% CET1 capital ratio against 154.38%; 29.59% tier 1 leverage ratio against 29.73%.
Inside the full BNY Mellon Trust of Delaware terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 4.23% (Q4 2024) to 6.65% (Q3 2025) and its net interest margin ran from 3.68% (Q1 2026) to 5.35% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 164.90% | 5.97% | 2.48% | 0.30% | 3.72% |
| Q1 2026 | 173.99% | 6.40% | 2.52% | 0.31% | 3.68% |
| Q4 2025 | 157.81% | 6.51% | 2.58% | 0.34% | 4.04% |
| Q3 2025 | 160.21% | 6.65% | 2.60% | 0.36% | 4.46% |
| Q2 2025 | 154.38% | 6.14% | 2.66% | 0.41% | 4.53% |
| Q1 2025 | 141.95% | 6.07% | 3.21% | 0.54% | 4.50% |
| Q4 2024 | 151.89% | 4.23% | 3.29% | 0.54% | 4.77% |
| Q3 2024 | 147.50% | 5.56% | 5.40% | 1.01% | 5.35% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Trust of Delaware (main office) | Wilmington , DE | 19809 | $150.5M |
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 |
|---|---|---|---|
| January 15, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 2008 | Structure Change | Acquired Mellon Trust of Delaware, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 16, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in DE, rank 21 of 31 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Trust of Delaware
What are BNY Mellon Trust of Delaware's total assets?
As of the Q2 2026 filing, BNY Mellon Trust of Delaware reported total assets of $254.9 million in its FFIEC call report.
Where is BNY Mellon Trust of Delaware headquartered?
It is headquartered in Wilmington, DE, United States.
When was BNY Mellon Trust of Delaware founded?
It was established in 1983, per the FDIC institution directory.
Is BNY Mellon Trust of Delaware FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BNY Mellon Trust of Delaware?
BNY Mellon Trust of Delaware's primary federal regulator is the FDIC.
What is BNY Mellon Trust of Delaware's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 164.90% 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 Trust of Delaware operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BNY Mellon Trust of Delaware's Texas Ratio?
Its Texas Ratio is 0.30% 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 Trust of Delaware previously called?
The charter now named BNY Mellon Trust of Delaware has also operated as BNYM (Delaware) (2008), per FDIC structure-change records.
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