Bank Comparison
State Street Bank and Trust Company vs Bank of New York Mellon, the
The two largest US custody banks.
vs
7 · 17
winning metrics across 24 comparable rows
Capital adequacy
| Metric | State Street Bank and Trust Company | Bank of New York Mellon, the |
|---|---|---|
| CET1 Ratio | 14.70% | 14.38% |
| Tier 1 Capital Ratio | 14.70% | 14.38% |
| Total Capital Ratio | 15.21% | 14.59% |
| Tier 1 Leverage Ratio | 5.95% | 6.12% |
| Equity / Assets | 7.43% | 6.23% |
Profitability
| Metric | State Street Bank and Trust Company | Bank of New York Mellon, the |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 1.49% |
| Return on Equity (ROE) | 10.55% | 18.64% |
| Net Interest Margin (NIM) | 1.31% | 1.66% |
| Yield on Earning Assets | 3.89% | 5.99% |
| Cost of Funds | 2.27% | 3.77% |
Asset quality
| Metric | State Street Bank and Trust Company | Bank of New York Mellon, the |
|---|---|---|
| Texas Ratio | 1.40% | 0.81% |
| Non-Performing Loan Ratio | 0.57% | 0.29% |
| Non-Performing Asset Ratio | 0.07% | 0.04% |
| Net Charge-Off Ratio | 0.36% | -0.12% |
| ACL / Loans | 0.34% | 0.35% |
Balance sheet
| Metric | State Street Bank and Trust Company | Bank of New York Mellon, the |
|---|---|---|
| Total Assets | $386,546M | $467,349M |
| Total Deposits | $299,560M | $419,724M |
| Total Loans | $49,368M | $60,448M |
| Total Equity | $28,711M | $29,100M |
| Net Income (quarter) | $760,000K | $1,373M |
Liquidity & funding
| Metric | State Street Bank and Trust Company | Bank of New York Mellon, the |
|---|---|---|
| Loan-to-Deposit Ratio | 16.48% | 14.40% |
| Core Deposit Ratio | 72.10% | 71.97% |
| Uninsured Deposit Ratio | 73.22% | 71.68% |
Identity
| Metric | State Street Bank and Trust Company | Bank of New York Mellon, the |
|---|---|---|
| Headquarters City | BOSTON | NEW YORK |
| Headquarters State | MA | NY |
| Asset Tier | National | National |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 3 | 9 |
| Employees (FTE) | 49,446 | 39,226 |
| Established | Jan. 1, 1792, midnight | Jan. 1, 1784, 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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