The Bank of New York Mellon Trust Company, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The Bank of New York Mellon Trust Company, N.A. is a community bank chartered in 1981, based in Los Angeles, CA, during the Savings & Loan crisis era. Profitability is strong, 14.08% ROA, paired with 17.38% ROE and a 3.68% net interest margin. The Bank of New York Mellon Trust Company's Q2 2026 balance sheet shows $1.4B in assets funded primarily by $2M in customer deposits. A CET1 ratio of 283.37% reflects a balance sheet with almost no risk-weighted lending, typical of a trust or nondepository charter; it is not comparable with commercial bank capital levels. It operates 10 branches, primarily in California.
As of June 30, 2026, The Bank of New York Mellon Trust Company, N.A. reported a CET1 capital ratio of 283.37%, a return on assets of 14.08%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 333 S Hope St, Los Angeles, CA 90071
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 031
- Established
- July 1, 1981
- Former names
- The Bank of New York Mellon Trust Company, National Association (2008); The Bank of New York Trust Company, National Association (2004-2008); BNY Western Trust Company (1995-2004); The Bank of New York Trust Company of California (1988-1995); Wall Street Trust Company California (1986-1988); Fidata Trust Company California (1985-1986); Bradford Trust Company of California (1984-1985)
- Offices
- 10 domestic
- Employees (FTE)
- 604
- Domestic deposits
- $2.2M
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 1, 1981
- FDIC Cert
- 23472
- Fed RSSD
- 398668
- SEC CIK
- 1390777 → filed by BANK OF NEW YORK MELLON CORPORATION, THE
- Website
- www.bny.com →
- Parent Holding Company
- BANK OF NEW YORK MELLON CORPORATION, THE (RSSD 3587146) · BNY
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Vince Robin A. | CEO | Chairman & CEO |
| Mcdonogh Dermot | CFO | Chief Financial Officer |
| Mccarthy J Kevin | GC | SEVP & General Counsel |
Profitability
Asset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Bank of New York Mellon Trust Company, N.A. terminal
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 283.37% | 14.08% | — | 0.00% | 3.68% |
| Q1 2026 | 328.65% | 16.71% | — | 0.00% | 3.64% |
| Q4 2025 | 285.04% | 17.90% | — | 0.00% | 4.05% |
| Q3 2025 | 295.43% | 18.01% | — | 0.00% | 4.44% |
| Q2 2025 | 299.47% | 15.85% | — | 0.00% | 4.38% |
| Q1 2025 | 325.27% | 16.32% | — | 0.00% | 4.35% |
| Q4 2024 | 316.28% | 18.35% | — | 0.00% | 4.80% |
| Q3 2024 | 340.07% | 18.86% | — | 0.00% | 5.51% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of New York Mellon Trust Company, National Association | Los Angeles , CA | 90071 | $2.2M |
| Pittsburgh Trust Office Branch | Pittsburgh , PA | 15219 | $0 |
| Philadelphia Trust Office Branch | Philadelphia , PA | 19103 | $0 |
| Indianapolis Trust Office Branch | Indianapolis , IN | 46204 | $0 |
| Chicago Trust Office Branch | Chicago , IL | 60606 | $0 |
| Houston Trust Office Branch | Houston , TX | 77002 | $0 |
| Everett Trust Office Branch | Everett , MA | 02149 | $0 |
| New York Trust Office Branch | New York , NY | 10286 | $0 |
| Lake Mary Trust Office Branch | Lake Mary , FL | 32746 | $0 |
| Jacksonville Trust Office Branch | Jacksonville , FL | 32256 | $0 |
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 |
|---|---|---|---|
| November 16, 2005 | Structure Change | Acquired Beacon Fiduciary Advisors, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2004 | Structure Change | Acquired The Bank of New York Trust Company, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 16, 1989 | Structure Change | Acquired Irving Trust Company California Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 15, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
What the public regulatory sources show for The Bank of New York Mellon Trust Company, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 163 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 131 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Bank of New York Mellon Trust Company, N.A.
What are The Bank of New York Mellon Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, The Bank of New York Mellon Trust Company, N.A. reported total assets of $1.37 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bank of New York Mellon Trust Company, N.A. headquartered?
The Bank of New York Mellon Trust Company, N.A. is headquartered in Los Angeles, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Bank of New York Mellon Trust Company, N.A. founded?
The Bank of New York Mellon Trust Company, N.A. was established in 1981, per the FDIC institution directory.
Is The Bank of New York Mellon Trust Company, N.A. FDIC-insured?
Yes. The Bank of New York Mellon Trust Company, N.A. is an FDIC-insured commercial bank (FDIC Certificate #23472). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of New York Mellon Trust Company, N.A.?
The Bank of New York Mellon Trust Company, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Bank of New York Mellon Trust Company, N.A.'s CET1 capital ratio?
The Bank of New York Mellon Trust Company, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 283.37% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of New York Mellon Trust Company, N.A. operate?
The Bank of New York Mellon Trust Company, N.A. operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of New York Mellon Trust Company, N.A.'s Texas Ratio?
The Bank of New York Mellon Trust Company, N.A.'s Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Bank of New York Mellon Trust Company, N.A. previously called?
The charter now named The Bank of New York Mellon Trust Company, N.A. has also operated as The Bank of New York Mellon Trust Company, National Association (2008), The Bank of New York Trust Company, National Association (2004-2008), BNY Western Trust Company (1995-2004), The Bank of New York Trust Company of California (1988-1995), Wall Street Trust Company California (1986-1988), Fidata Trust Company California (1985-1986), Bradford Trust Company of California (1984-1985), per FDIC structure-change records.
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