BlastPoint's Banking Scorecard

BNY Mellon Trust of Delaware

$100M-$1B Specialty: Other DE FDIC cert 24867

Wilmington, DE

2664 banks in the $100M-$1B peer group nationally 8 in DE

BNY Mellon Trust of Delaware has 4 strengths but faces 3 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 1.8% in tier
+ Profitability Leader: Top 15.6% in tier
+ Efficiency Ratio 44.68% below tier average
+ Non-Interest-Bearing Deposit Share 77.96% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 49.3% in tier
- Delinquency Rate 1.64% above tier average
- Net Interest Margin 0.55% below tier average

Get updates when BNY Mellon Trust of Delaware releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Total Assets ?	$252.8M +7.6% YoY +4.5% QoQ	-$133.2M	$386.1M +0.5% YoY	$70.8B +0.0% YoY	$6.2B +9.1% YoY	38%
Total Loans ?	$6.8M -12.2% YoY -2.9% QoQ	-$248.9M	$255.7M +1.1% YoY	$38.8B +4.8% YoY	$3.2B +10.8% YoY	Bottom 0.4% in tier
Total Deposits ?	$147.0M +5.3% YoY +5.2% QoQ	-$181.0M	$328.0M +0.1% YoY	$56.2B +0.9% YoY	$4.8B +8.2% YoY	20%
Return on Assets ?	6.03% +7.7% YoY +12.1% QoQ	+4.76%	1.27% +12.9% YoY	2.25% -5.9% YoY	1.23% +13.4% YoY	Top 0.4% in tier
Net Interest Margin ?	3.38% -16.1% YoY -2.6% QoQ	-0.55%	3.93% +6.0% YoY	5.71% +1.4% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	20.60% -11.8% YoY -10.9% QoQ	-44.68%	65.29% -4.5% YoY	53.58% -1.6% YoY	66.95% -4.1% YoY	Top 0.2% in tier
Delinquency Rate ?	2.52% -21.4% YoY -2.1% QoQ	+1.64%	0.89% +18.8% YoY	1.76% +0.3% YoY	0.95% +18.8% YoY	Bottom 8.0% in tier
Loan-to-Deposit Ratio ?	4.64% -16.6% YoY -7.7% QoQ	-72.00%	76.64% +0.8% YoY	82.81% -6.4% YoY	76.70% +0.9% YoY	Top 0.4% in tier
Non-Interest-Bearing Deposit Share ?	99.98% -0.0% YoY +0.0% QoQ	+77.96%	22.02% -1.0% YoY	23.71% -4.5% YoY	22.01% -1.2% YoY	Top 0.1% in tier
Nonperforming Asset Ratio ?	0.07% -35.8% YoY -9.1% QoQ	-0.57%	0.64% +19.7% YoY	0.52% -2.0% YoY	0.67% +19.3% YoY	75%
Tier 1 Capital Ratio ?	173.99% +22.6% YoY +10.3% QoQ	+158.16%	15.83% +1.5% YoY	58.48% +5.2% YoY	17.06% +0.8% YoY	Top 0.2% in tier
Non-Interest Income / Assets ?	1.93% +11.4% YoY -73.1% QoQ	+1.65%	0.28% +9.3% YoY	1.31% -6.4% YoY	0.32% +4.1% YoY	Top 0.9% in tier

Get Full Access to BNY Mellon Trust of Delaware

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Revenue Diversifier

growth

#13 of 666 • Top 1.8% 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: 1.93%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 6.03%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth

#105 of 666 • Top 15.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 6.03%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#365 of 739 • Bottom 49.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 173.99%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 4.64%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 99.98%

Peer Median: 22.02%

#3 of 2664 Top 0.1% in $100M-$1B

Efficiency Ratio

profitability

Value: 20.60%

Peer Median: 65.29%

#6 of 2664 Top 0.2% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 173.99%

Peer Median: 15.83%

#6 of 2664 Top 0.2% in $100M-$1B

Return on Assets

profitability

Value: 6.03%

Peer Median: 1.27%

#11 of 2664 Top 0.4% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 4.64%

Peer Median: 76.64%

#11 of 2664 Top 0.4% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 1.93%

Peer Median: 0.28%

#26 of 2664 Top 0.9% in $100M-$1B

Top Weaknesses (3 metrics)

2654

Total Loans

size

Value: $6.82M

Peer Median: $255.72M

#2654 of 2664 Bottom 0.4% in $100M-$1B

2442

Delinquency Rate

credit_quality

Value: 2.52%

Peer Median: 0.89%

#2442 of 2654 Bottom 8.0% in $100M-$1B

2121

Total Deposits

size

Value: $147.02M

Peer Median: $327.97M

#2121 of 2664 Bottom 20.4% in $100M-$1B