BNY Mellon, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 24.73% was down 156bps from the prior quarter. Headquartered in Pittsburgh, PA, BNY Mellon, N.A. operates as a regional commercial bank with multi-state coverage, in the Pittsburgh metro banking region. The Q2 2026 balance sheet stands at $30.6B in assets, including $18.6B in loans. Returns are in line with industry norms at 0.96% ROA and 8.25% ROE; net interest margin is 1.12%. Regulatory capital is solid, 24.73% CET1 and 27.53% total risk-based capital ratio. Asset quality is pristine, 0.29% NPLs and a 2.94% Texas Ratio. BNY Mellon operates a 31-branch network.
As of June 30, 2026, BNY Mellon, N.A. reported a CET1 capital ratio of 24.73%, a return on assets of 0.96%, a nonperforming-loan ratio of 0.29%, a Texas ratio of 2.94%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 500 Grant St, Pittsburgh, PA 15258
- County
- Allegheny
- Metro Area
- Pittsburgh, PA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1869
- Former names
- Mellon Bank, N. A. (1972-2008); Mellon National Bank and Trust Company (1946-1972); Mellon National Bank (1944-1946)
- Offices
- 31 domestic
- Employees (FTE)
- 1,306
- Domestic deposits
- $26.02B
- Allowance for credit losses
- $21.0M
- Net charge-offs (YTD)
- $0
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7946
- Fed RSSD
- 934329
- 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
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.
What the bank charged to earnings that quarter to build its allowance for expected losses.
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 BNY Mellon, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock BNY Mellon, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
BNY Mellon, N.A. rankings
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 | 24.73% | 0.96% | 0.29% | 2.94% | 1.12% |
| Q1 2026 | 26.29% | 0.80% | 0.29% | 2.97% | 1.15% |
| Q4 2025 | 23.79% | 1.03% | 0.27% | 2.92% | 1.16% |
| Q3 2025 | 24.38% | 1.09% | 0.05% | 0.60% | 1.12% |
| Q2 2025 | 25.75% | 0.99% | 0.25% | 2.52% | 1.12% |
| Q1 2025 | 25.19% | 0.66% | 0.26% | 2.57% | 1.15% |
| Q4 2024 | 24.79% | 0.93% | 0.28% | 2.78% | 1.22% |
| Q3 2024 | 25.35% | 1.02% | 0.30% | 2.81% | 1.18% |
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 26 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| BNY Mellon, N.A. (main office) | Pittsburgh , PA | 15258 | $26.02B |
| Center City Branch | Philadelphia , PA | 19103 | $0 |
| Greenville Branch | Greenville , DE | 19807 | $0 |
| Seattle Branch | Seattle , WA | 98101 | $0 |
| Newport Beach Branch | Newport Beach , CA | 92660 | $0 |
| San Francisco Branch | San Francisco , CA | 94105 | $0 |
| Boston Branch | Boston , MA | 02108 | $0 |
| Garden City Office Branch | Garden City , NY | 11530 | $0 |
| Cleveland Office Branch | Beachwood , OH | 44122 | $0 |
| Dallas Office Branch | Dallas , TX | 75219 | $0 |
| Century City Office Branch | Los Angeles , CA | 90067 | $0 |
| Denver Office Branch | Denver , CO | 80206 | $0 |
| Washington D.C. Office Branch | Washington , DC | 20005 | $0 |
| Miami Office Branch | Miami , FL | 33131 | $0 |
| Naples Office Branch | Naples , FL | 34103 | $0 |
| West Palm Beach Office Branch | West Palm Beach , FL | 33401 | $0 |
| Tampa Office Branch | Tampa , FL | 33607 | $0 |
| Atlanta Office Branch | Atlanta , GA | 30305 | $0 |
| Chicago Office Branch | Chicago , IL | 60606 | $0 |
| Berkeley Heights Office Branch | Berkeley Heights , NJ | 07922 | $0 |
| Las Vegas Office Branch | Las Vegas , NV | 89135 | $0 |
| Houston Office Branch | Houston , TX | 77019 | $0 |
| Menlo Park Trust Office Branch | Menlo Park , CA | 94025 | $0 |
| Lake Mary Office Branch | Lake Mary , FL | 32746 | $0 |
| Park Avenue Office | New York , NY | 10166 | $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 |
|---|---|---|---|
| July 6, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 6, 2009 | Structure Change | Acquired The Bank of New York Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2008 | Structure Change | Acquired Mellon Trust of New England, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2008 | Structure Change | Sale of Assets | FFIEC NIC |
| January 15, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 2008 | Structure Change | Acquired Mellon Private Trust Company, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 14, 2007 | Structure Change | Acquired Cleartran, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 15, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 15, 2003 | Structure Change | Acquired Mellon Bank Delaware, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2001 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| April 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2000 | Structure Change | Acquired Mellon Bank MD National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 23, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 23, 1996 | Structure Change | Acquired Mellon PSFS (NJ) National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 20, 1995 | Structure Change | Acquired Glendale Bank of Pennsylvania Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 19, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 12, 1992 | Structure Change | Acquired Meritor Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 11, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 1991 | Structure Change | Acquired United Penn Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1991 | Structure Change | Acquired The Commonwealth National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1991 | Structure Change | Acquired Mellon Bank (East) PSFS, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 7, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 7, 1985 | Structure Change | Acquired The Citizens National Bank of New Castle Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 26, 1951 | Structure Change | Acquired Parnassus National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 28 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for BNY Mellon, 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
- 3 against the institution (OCC); 12 against individuals associated with it
- January 5, 2001, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Mellon Bank, N.A.
- January 17, 1992, OCC: Civil Money Penalty (CMP): Mellon Bank, N.A.
- January 17, 1992, OCC: Securities Enforcement Action: Mellon Bank, N.A.
- Period: Most recent institution action January 5, 2001. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.6% of deposits in PA, rank 4 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 682 applications, 527 loans originated, $699.5M originated, across 45 states
- Period: Calendar year 2025. 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 BNY Mellon, N.A.
What are BNY Mellon, N.A.'s total assets?
As of the Q2 2026 filing, BNY Mellon, N.A. reported total assets of $30.62 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is BNY Mellon, N.A. headquartered?
BNY Mellon, N.A. is headquartered in Pittsburgh, PA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was BNY Mellon, N.A. founded?
BNY Mellon, N.A. was established in 1869, per the FDIC institution directory.
Is BNY Mellon, N.A. FDIC-insured?
Yes. BNY Mellon, N.A. is an FDIC-insured commercial bank (FDIC Certificate #7946). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BNY Mellon, N.A.?
BNY Mellon, 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 BNY Mellon, N.A.'s CET1 capital ratio?
BNY Mellon, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 24.73% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does BNY Mellon, N.A. operate?
BNY Mellon, N.A. operates 31 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is BNY Mellon, N.A.'s Texas Ratio?
BNY Mellon, N.A.'s Texas Ratio is 2.94% 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 BNY Mellon, N.A. previously called?
The charter now named BNY Mellon, N.A. has also operated as Mellon Bank, N. A. (1972-2008), Mellon National Bank and Trust Company (1946-1972), Mellon National Bank (1944-1946), per FDIC structure-change records.
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