BlastPoint's Banking Scorecard

The Bank of New York Mellon Trust Company, National Association

$1B-$10B Specialty: Other CA FDIC cert 23472

Los Angeles, CA

10 branches across FL · PA · CA · IL · IN · MA · NY · TX

Non-lending institution — comparison caveats apply

The Bank of New York Mellon Trust Company, National Association is a trust company, wealth-management entity, or similar non-lending FDIC institution. Loan-based ratios (Loan-to-Deposit, Delinquency Rate, Non-Performing Asset Ratio, Non-Interest-Bearing Deposit Share) and capital ratios are mathematically valid but not directly comparable to traditional banks. This bank is excluded from the Signature Analysis leaderboards for the same reason.

885 banks in the $1B-$10B peer group nationally 49 in CA

View $1B-$10B leaderboard (CA) →

The Bank of New York Mellon Trust Company, National Association has 5 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 1.3% in tier
+ Return on Assets 13.88% above tier average
+ Efficiency Ratio 19.30% below tier average
+ Non-Interest-Bearing Deposit Share 78.73% above tier average
+ Net Interest Margin 0.17% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 60.0% in tier
- Nonperforming Asset Ratio 1.20% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$1.4B +3.5% YoY -1.4% QoQ	-$1.4B	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	27%
Total Loans ?	$0	-$2.0B	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	Bottom 0.3% in tier
Total Deposits ?	$2.2M +180.2% YoY +108.5% QoQ	-$2.3B	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Bottom 0.1% in tier
Return on Assets ?	15.27% -3.9% YoY -7.3% QoQ	+13.88%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Top 0.2% in tier
Net Interest Margin ?	4.04% -11.5% YoY +7.6% QoQ	+0.17%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	71%
Efficiency Ratio ?	40.43% +2.5% YoY +11.7% QoQ	-19.30%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Top 7.9% in tier
Delinquency Rate ?	-	-	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	-
Loan-to-Deposit Ratio ?	0.00%	-85.04%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Top 0.1% in tier
Non-Interest-Bearing Deposit Share ?	100.00% 0% YoY 0% QoQ	+78.73%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 0.1% in tier
Nonperforming Asset Ratio ?	1.88% +70.1% YoY +4.2% QoQ	+1.20%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Bottom 6.6% in tier
Tier 1 Capital Ratio ?	283.37% -5.4% YoY -13.8% QoQ	+268.52%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	Top 0.1% in tier
Non-Interest Income / Assets ?	16.53% -0.6% YoY +102.0% QoQ	+16.00%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Top 0.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	100.0% 0.0pp YoY 0.0pp QoQ	+78.6pp	21.4%	25.5%	22.2%	100%
Brokered Deposits	n/a	n/a	9.5%	11.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	n/a	n/a	14.0%	11.8%	12.5%	n/a
CRE	n/a	n/a	50.0%	67.5%	41.4%	n/a
1-4 Family	n/a	n/a	26.4%	16.5%	31.3%	n/a
Consumer	n/a	n/a	4.7%	5.3%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	283.4% -16.1pp YoY -45.3pp QoQ	+267.8pp	15.6%	23.7%	19.7%	100%
Leverage Ratio	63.5% +0.2pp YoY -2.5pp QoQ	+52.2pp	11.3%	14.5%	12.6%	100%
Total Capital Ratio	284.2% -16.0pp YoY -45.5pp QoQ	+267.5pp	16.7%	25.1%	20.8%	100%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	604 -4 (-0.7%) YoY +4 (+0.7%) QoQ	+290	313	337	482	89%
Assets per Employee ($)	$2.3M +4.2% YoY -2.0% QoQ	-$8.2M	$10.5M	$11.3M	$8.8M	1%
Branch Count	10 0 YoY 0 QoQ	-10	20	15	18	29%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.8%	1.4%	1.0%	n/a
Allowance Coverage	n/a	n/a	18.71x	17.11x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.3%	0.3%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	19.0% -0.8pp YoY -1.6pp QoQ	+6.4pp	12.6%	8.2%	11.6%	88%
Cost of Funds (YTD)	n/a	n/a	1.9%	1.9%	1.7%	n/a
Net Income ($, YTD)	$104.7M -0.1% YoY — QoQ	+$85.5M	$19.2M	$28.5M	$40.4M	99%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#4 of 222 • Top 1.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 16.53%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 15.27%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Concerns (1)

Margin Compression

decline

#52 of 85 • Bottom 60.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 15.27%

(Tier: 1.39%, National: 1.30%)

better than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 0.00%

Peer Median: 85.04%

#1 of 885 Top 0.1% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 100.00%

Peer Median: 21.27%

#1 of 885 Top 0.1% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 283.37%

Peer Median: 14.84%

#1 of 885 Top 0.1% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 16.53%

Peer Median: 0.53%

#2 of 885 Top 0.1% in $1B-$10B

Return on Assets

profitability

Value: 15.27%

Peer Median: 1.39%

#3 of 885 Top 0.2% in $1B-$10B

Efficiency Ratio

profitability

Value: 40.43%

Peer Median: 59.73%

#71 of 885 Top 7.9% in $1B-$10B

Top Weaknesses (3 metrics)

885

Total Deposits

size

Value: $2.23M

Peer Median: $2.32B

#885 of 885 Bottom 0.1% in $1B-$10B

883

Total Loans

size

Value: $0.00

Peer Median: $1.96B

#883 of 885 Bottom 0.3% in $1B-$10B

828

Nonperforming Asset Ratio

credit_quality

Value: 1.88%

Peer Median: 0.67%

#828 of 885 Bottom 6.6% in $1B-$10B