BNY Mellon Trust of Delaware: 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%.
Common equity tier 1 ratio dropped 9.09 percentage points in Q2 2026, from 173.99% to 164.90%. It was the largest change from Q1 2026 among the key lines here. Among 14 Delaware banks, BNY Mellon Trust of Delaware sits 2nd from the top on CET1 ratio, 164.90% as of Q2 2026. Against a median of 15.07% for banks in the $100M-1B asset tier, BNY Mellon Trust of Delaware reported 164.90% on CET1 ratio in Q2 2026, 149.83 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 164.90% |
| Tier 1 risk-based capital ratio | 164.90% |
| Total risk-based capital ratio | 165.16% |
| Tier 1 leverage ratio | 29.59% |
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 | $56.5M |
| Tier 1 capital | $56.5M |
| Total risk-based capital | $56.6M |
| Total equity capital | $101.7M |
| Risk-weighted assets | $34.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 39.89% |
| Tangible equity to tangible assets | 26.44% |
| Equity capital to average assets | 42.92% |
| Internal capital growth rate | -5.68% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.0M |
| Common stock surplus | $92.0M |
| Retained earnings | $26.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$22.1M |
| Subordinated notes and debentures | $0 |
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 | 155.10% | 155.10% | 155.55% | 33.03% | $27.5M |
| Q4 2023 | 147.47% | 147.47% | 147.87% | 32.37% | $28.6M |
| Q1 2024 | 148.13% | 148.13% | 148.56% | 31.11% | $30.2M |
| Q2 2024 | 141.69% | 141.69% | 142.10% | 30.44% | $30.5M |
| Q3 2024 | 147.50% | 147.50% | 147.92% | 33.16% | $31.0M |
| Q4 2024 | 151.89% | 151.89% | 152.04% | 31.15% | $32.7M |
| Q1 2025 | 141.95% | 141.95% | 142.10% | 26.25% | $33.2M |
| Q2 2025 | 154.38% | 154.38% | 154.54% | 29.73% | $32.8M |
| Q3 2025 | 160.21% | 160.21% | 160.37% | 32.47% | $34.0M |
| Q4 2025 | 157.81% | 157.81% | 157.96% | 31.15% | $34.1M |
| Q1 2026 | 173.99% | 173.99% | 174.23% | 30.87% | $33.2M |
| Q2 2026 | 164.90% | 164.90% | 165.16% | 29.59% | $34.3M |
BNY Mellon Trust of Delaware regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock BNY Mellon Trust of Delaware, 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 Trust of Delaware profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24867) · FFIEC NIC profile (RSSD 488318)