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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 $0.0BQ3 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