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Bank of New York Mellon, The

New York, NY · Cert 639 · Bank of NY Mellon Corp. the

State charter, Fed member · FED · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

97

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

47

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of New York Mellon, The

New York, NY · Cert 639 · Bank of NY Mellon Corp. the

State charter, Fed member · FED · 3 affiliate banks · 10 branches (47 in holding)

Q2 2026

$425.1BAssets
$46.7BLoans
$255.9BDeposits
$29.4BEquity
Loan mix
82%RE $6.9B18%C&I $1.5B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
67%Interest-bearing $171.6B33%Noninterest $84.3BQ3 2024Q2 2026

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 8.8% share · #3 of 151 inst. · $255.9B of $2921.1B

13.4% New York
0.0% Allegheny
0.0% District of Columbia
0.0% Hudson

Executive Summary

  • Earnings: ROA of 1.36%, up 11 bps year over year; NIM at 1.52%.
  • Asset quality: problem loans at 0.04% of loans (-74 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 6.20%, down 68 bps from a year ago.
  • Funding: loans stand at 18.23% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.36%+11 bps YoY

Net Interest Margin (YTD, annualized)

1.52%+17 bps YoY

Efficiency Ratio (YTD, annualized)

57.49%-396 bps YoY

Tier 1 Leverage Ratio

6.20%-68 bps YoY

NIM

6.29%Q2 ’246.18%Q2 ’255.42%Q2 ’26+15%+12%

Non-interest income vs. expense

2.77%Q2 ’242.68%Q2 ’252.74%Q2 ’26-213%-58%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%1.01%1.26%1.26%1.27%1.31%1.29%1.36%+11 bps
Return on Equity12.28%12.53%15.10%15.47%15.76%16.35%18.64%19.63%+416 bps
Net Interest Margin1.20%1.24%1.41%1.35%1.40%1.39%1.49%1.52%+17 bps
Efficiency Ratio66.79%66.48%62.64%61.45%61.31%60.76%58.57%57.49%-396 bps
Non-Interest Burden-0.14%-0.13%-0.25%-0.31%-0.32%-0.33%-0.41%-0.50%-18 bps
Growth
Asset Growth (YoY)5.97%1.03%-0.34%13.21%5.29%13.41%31.18%6.73%-648 bps
Loan Growth (YoY)12.82%13.68%-10.73%-3.01%3.67%9.76%67.92%31.56%+3,457 bps
Deposit Growth (YoY)3.06%2.83%-4.45%12.66%5.89%13.65%49.22%12.42%-24 bps
Asset Quality
Nonperforming Loans / Loans0.55%0.45%0.57%0.78%0.39%0.32%0.09%0.04%-74 bps
Net Charge-Offs / Loans0.19%0.22%0.10%0.08%0.07%0.04%-0.07%-0.05%-13 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio6.65%6.31%6.96%6.88%6.49%6.46%6.12%6.20%-68 bps
Total Risk-Based Capital17.66%16.36%17.54%17.85%16.47%16.56%14.59%14.76%-309 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits18.60%19.10%17.75%15.58%18.21%18.45%19.97%18.23%+265 bps
Liquid Assets / Assets12.46%12.96%11.88%10.51%11.73%10.95%9.15%9.95%-56 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of New York Mellon, The

New York, NY · Cert 639 · Peer group: banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=15) · Bank of NY Mellon Corp. the

State charter, Fed member · FED · 3 affiliate banks · 10 branches (47 in holding)

Q2 2026

$425.1BAssets
$46.7BLoans
$255.9BDeposits
$29.4BEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 3 of 15).
  • Widest gap: equity / assets trails 93% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 14 of 15).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.36%

Rank 1 of 15

Net Interest Margin

1.52%

Rank 14 of 15

Efficiency Ratio

57.64%

Rank 9 of 15

Equity / Assets

6.93%

Rank 14 of 15

Non-interest income vs. expense

$12.0B$10.2BINCOMEEXPENSE
Favorable gap of $1.8B · efficiency ratio beats 47% of banks over $10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 57.64%Peer median 55.4%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.36%0.74%0.98%1.14%Beats 93%1 / 15
Return on Equity19.64%5.21%8.81%10.53%Beats 93%1 / 15
Net Interest Margin1.52%1.76%2.56%3.09%Beats 7%14 / 15
Efficiency Ratio57.64%49.33%55.36%65.80%Beats 47%9 / 15
Asset Quality
Nonperforming Loans / Loans0.04%0.39%0.66%0.92%Beats 93%2 / 15
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 100%3 / 15
Capital
Tier 1 Capital Ratio14.56%12.31%14.32%17.39%Beats 60%6 / 15
Total Risk-Based Capital Ratio14.76%13.34%14.76%19.29%Beats 47%8 / 15
Equity / Assets6.93%8.06%10.22%12.59%Beats 7%14 / 15
Liquidity & Funding
Loans / Deposits18.23%52.62%85.61%96.57%0th pctl15 / 15
Loans / Assets10.98%32.81%69.81%78.17%0th pctl15 / 15
Brokered Deposits / Depositsn/aNot reported for this institution