Bank Comparison
Regions Bank vs The Bank of New York Mellon
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At Q2 2026, The Bank of New York Mellon is the larger bank, with $425.12B in total assets to Regions Bank's $159.79B; The Bank of New York Mellon has the higher CET1 ratio (14.56% vs 11.58%) and the higher return on assets (1.64% vs 1.47%).
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winning metrics across 17 scored rows
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Capital adequacy
| Metric | Regions Bank | The Bank of New York Mellon |
|---|---|---|
| CET1 Ratio | 11.58% | 14.56% |
| Tier 1 Capital Ratio | 11.58% | 14.56% |
| Total Capital Ratio | 13.22% | 14.76% |
| Tier 1 Leverage Ratio | 9.50% | 6.20% |
| Equity / Assets | 11.23% | 6.93% |
Profitability
| Metric | Regions Bank | The Bank of New York Mellon |
|---|---|---|
| Return on Assets (ROA) | 1.47% | 1.64% |
| Return on Equity (ROE) | 13.02% | 20.74% |
| Net Interest Margin (NIM) | 3.71% | 1.72% |
| Yield on Earning Assets | 5.00% | 6.07% |
| Cost of Funds | 1.31% | 3.80% |
Asset quality
| Metric | Regions Bank | The Bank of New York Mellon |
|---|---|---|
| Texas Ratio | 5.58% | 0.09% |
| Non-Performing Loan Ratio | 0.93% | 0.04% |
| Non-Performing Asset Ratio | 0.59% | 0.00% |
| Net Charge-Off Ratio | 0.42% | -0.01% |
| ACL / Loans | 1.49% | 0.43% |
Balance sheet
| Metric | Regions Bank | The Bank of New York Mellon |
|---|---|---|
| Total Assets | $159.79B | $425.12B |
| Total Deposits | $131.78B | $372.56B |
| Total Loans | $99.79B | $46.66B |
| Total Equity | $17.94B | $29.44B |
| Net Income (quarter) | $586.0M | $1.52B |
Liquidity & funding
| Metric | Regions Bank | The Bank of New York Mellon |
|---|---|---|
| Loan-to-Deposit Ratio | 75.73% | 12.52% |
| Core Deposit Ratio | 97.20% | 65.04% |
| Uninsured Deposit Ratio | 39.23% | 68.19% |
Identity
| Metric | Regions Bank | The Bank of New York Mellon |
|---|---|---|
| Headquarters City | Birmingham | New York |
| Headquarters State | AL | NY |
| Asset Tier | $100B to $250B in assets | $250B or more in assets |
| Regulator | FED | FED |
| Domestic Branches | 1,256 | 13 |
| Employees (FTE) | 19,895 | 38,935 |
| Established | January 1, 1928 | January 1, 1851 |
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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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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