Bank Comparison
Bank of New York Mellon, the vs PNC Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 14
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Bank of New York Mellon, the | PNC Bank, N.A. |
|---|---|---|
| CET1 Ratio | 14.38% | 11.63% |
| Tier 1 Capital Ratio | 14.38% | 11.63% |
| Total Capital Ratio | 14.59% | 13.34% |
| Tier 1 Leverage Ratio | 6.12% | 9.39% |
| Equity / Assets | 6.23% | 10.47% |
Profitability
| Metric | Bank of New York Mellon, the | PNC Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.49% | 1.32% |
| Return on Equity (ROE) | 18.64% | 12.59% |
| Net Interest Margin (NIM) | 1.66% | 3.05% |
| Yield on Earning Assets | 5.99% | 4.72% |
| Cost of Funds | 3.77% | 1.75% |
Asset quality
| Metric | Bank of New York Mellon, the | PNC Bank, N.A. |
|---|---|---|
| Texas Ratio | 0.81% | 10.77% |
| Non-Performing Loan Ratio | 0.29% | 1.51% |
| Non-Performing Asset Ratio | 0.04% | 0.93% |
| Net Charge-Off Ratio | -0.12% | 0.25% |
| ACL / Loans | 0.35% | 1.27% |
Balance sheet
| Metric | Bank of New York Mellon, the | PNC Bank, N.A. |
|---|---|---|
| Total Assets | $467,349M | $567,948M |
| Total Deposits | $419,724M | $441,507M |
| Total Loans | $60,448M | $346,787M |
| Total Equity | $29,100M | $59,440M |
| Net Income (quarter) | $1,373M | $1,870M |
Liquidity & funding
| Metric | Bank of New York Mellon, the | PNC Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 14.40% | 78.55% |
| Core Deposit Ratio | 71.97% | 97.69% |
| Uninsured Deposit Ratio | 71.68% | 45.20% |
Identity
| Metric | Bank of New York Mellon, the | PNC Bank, N.A. |
|---|---|---|
| Headquarters City | NEW YORK | WILMINGTON |
| Headquarters State | NY | DE |
| Asset Tier | National | National |
| Charter Class | 0 | 1316 |
| Regulator | FED | OCC |
| Domestic Branches | 9 | 2,319 |
| Employees (FTE) | 39,226 | 57,168 |
| Established | Jan. 1, 1784, midnight | Jan. 1, 1804, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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