Bank of New York Mellon Trust Company, National Association, The

Los Angeles, CA · Cert 23472 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19) · Bank of NY Mellon Corp. the

National charter · OCC · 3 affiliate banks · 10 branches (47 in holding)

Q2 2026

$1.4BAssets

$0KLoans

$2.2MDeposits

$1.1BEquity

Executive Summary

Strongest standing: return on assets outperforms 95% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 1 of 19).
Widest gap: net interest margin trails 95% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 18 of 19).
Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

15.26%

Rank 1 of 19

Net Interest Margin

0.93%

Rank 18 of 19

Efficiency Ratio

40.43%

Rank 6 of 19

Equity / Assets

80.65%

Rank 1 of 19

Non-interest income vs. expense

Favorable gap of $265.1M · efficiency ratio beats 74% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	15.26%	1.10%	1.26%	1.57%	Beats 95%	1 / 19
Return on Equity	18.92%	8.62%	11.28%	14.70%	Beats 89%	2 / 19
Net Interest Margin	0.93%	3.07%	3.30%	3.62%	Beats 5%	18 / 19
Efficiency Ratio	40.43%	33.01%	51.12%	56.65%	Beats 74%	6 / 19
Asset Quality
Nonperforming Loans / Loans	n/a	Not reported for this institution
Net Charge-Offs / Loans	n/a	Not reported for this institution
Capital
Tier 1 Capital Ratio	283%	12.10%	14.67%	23.92%	Beats 95%	1 / 19
Total Risk-Based Capital Ratio	284%	13.35%	14.67%	24.05%	Beats 95%	1 / 19
Equity / Assets	80.65%	9.84%	11.18%	14.01%	Beats 95%	1 / 19
Liquidity & Funding
Loans / Deposits	0.00%	79.34%	95.16%	100.04%	0th pctl	18 / 19
Loans / Assets	0.00%	69.86%	77.55%	83.04%	0th pctl	18 / 19
Brokered Deposits / Deposits	n/a	Not reported for this institution