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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 · 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 $0.0BQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $171.6B33%Noninterest $84.3BQ2 2025Q2 2026

NIM

6.44%Q2 ’246.43%Q2 ’255.46%Q2 ’26+17%+12%

Non-interest income vs. expense

2.68%Q2 ’242.71%Q2 ’252.79%Q2 ’26-55%-51%

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 9 bps year over year; NIM at 1.55%.
  • Asset quality: problem loans at 0.04% of loans (-74 bps YoY), with net recoveries of 0.01%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.36%+9 bps YoY

Net Interest Margin (quarter, annualized)

1.55%+17 bps YoY

Efficiency Ratio (quarter, annualized)

56.49%-385 bps YoY

Tier 1 Leverage Ratio

6.20%-68 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.25%1.44%1.29%1.36%+9 bps
Return on Equity15.78%15.94%18.23%18.64%20.74%+497 bps
Net Interest Margin1.38%1.45%1.50%1.49%1.55%+17 bps
Efficiency Ratio60.34%61.03%59.24%58.57%56.49%-385 bps
Non-Interest Burden-0.39%-0.31%-0.39%-0.41%-0.59%-20 bps
Growth
Asset Growth (YoY)13.21%5.29%13.41%31.18%6.73%-648 bps
Loan Growth (YoY)-3.01%3.67%9.76%67.92%31.56%+3,457 bps
Deposit Growth (YoY)12.66%5.89%13.65%49.22%12.42%-24 bps
Asset Quality
Nonperforming Loans / Loans0.78%0.39%0.32%0.09%0.04%-74 bps
Net Charge-Offs / Loans0.06%0.05%-0.03%-0.07%-0.01%-6 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio6.88%6.49%6.46%6.12%6.20%-68 bps
Total Risk-Based Capital17.85%16.47%16.56%14.59%14.76%-309 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits15.58%18.21%18.45%19.97%18.23%+265 bps
Liquid Assets / Assets10.51%11.73%10.95%9.15%9.95%-56 bps
CRE / Total Capitaln/an/an/an/an/an/an/a