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BNY Mellon Trust of Delaware

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

Wilmington, DE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 8 in DE.
  • Deposits -35.1% year over year ($150.5M on the books).
  • Delinquency rate 2.49%.
  • Return on assets 5.82%.
  • Efficiency ratio 22.80% vs a 64.48% peer average.
  • Loan-to-deposit ratio 4.35% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 8 in DE
View $100M-$1B leaderboard (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 1.7% in tier
  • + Profitability Leader: Top 2.3% in tier
  • + Efficiency Ratio 41.68% below tier average
  • + Non-Interest-Bearing Deposit Share 77.96% above tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 25.8% in tier
  • - Delinquency Rate 1.57% above tier average
  • - Net Interest Margin 0.59% below tier average
Get updates when BNY Mellon Trust of Delaware releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Total Assets ? $254.9M
-22.9% YoY +0.8% QoQ
-$131.7M $386.6M
+1.2% YoY
$72.9B
+3.7% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $6.6M
-12.9% YoY -3.9% QoQ
-$251.8M $258.3M
+1.7% YoY
$40.0B
+6.7% YoY
$3.2B
+9.4% YoY
Bottom 0.5% in tier
Total Deposits ? $150.5M
-35.1% YoY +2.4% QoQ
-$176.2M $326.7M
+0.7% YoY
$56.7B
+1.8% YoY
$4.9B
+7.3% YoY
22%
Return on Assets ? 5.82%
+17.2% YoY -3.5% QoQ
+4.49% 1.32%
+10.8% YoY
2.36%
-9.5% YoY
1.30%
+12.1% YoY
Top 0.5% in tier
Net Interest Margin ? 3.40%
+0.8% YoY +0.6% QoQ
-0.59% 3.99%
+5.0% YoY
5.72%
+0.9% YoY
3.95%
+4.9% YoY
24%
Efficiency Ratio ? 22.80%
-1.8% YoY +10.7% QoQ
-41.68% 64.48%
-3.2% YoY
53.04%
-0.1% YoY
70.05%
+2.5% YoY
Top 0.3% in tier
Delinquency Rate ? 2.49%
-6.4% YoY -1.4% QoQ
+1.57% 0.92%
+15.7% YoY
1.76%
+6.5% YoY
0.98%
+16.3% YoY
Bottom 8.8% in tier
Loan-to-Deposit Ratio ? 4.35%
+34.3% YoY -6.1% QoQ
-73.60% 77.95%
+1.0% YoY
80.57%
-7.4% YoY
79.03%
+2.3% YoY
Top 0.4% in tier
Non-Interest-Bearing Deposit Share ? 99.99%
+0.6% YoY +0.0% QoQ
+77.96% 22.03%
-0.6% YoY
23.77%
-3.1% YoY
21.98%
-0.6% YoY
Top 0.1% in tier
Nonperforming Asset Ratio ? 0.06%
+5.7% YoY -6.0% QoQ
-0.60% 0.67%
+16.4% YoY
0.52%
+1.1% YoY
0.69%
+15.8% YoY
77%
Tier 1 Capital Ratio ? 164.90%
+6.8% YoY -5.2% QoQ
+148.99% 15.91%
+1.4% YoY
57.87%
+0.5% YoY
17.09%
+0.8% YoY
Top 0.2% in tier
Non-Interest Income / Assets ? 3.79%
+52.4% YoY +96.5% QoQ
+3.23% 0.57%
+7.6% YoY
2.79%
+1.3% YoY
0.66%
+5.2% YoY
Top 0.9% 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 (DE) National Avg Tier Percentile
Noninterest-Bearing 100.0%
+0.6pp YoY
0.0pp QoQ
 +77.8pp 22.1% 27.2% 22.2% 100%
Brokered Deposits n/a n/a 7.9% 18.6% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
C&I n/a n/a 11.6% 8.9% 12.5% n/a
CRE n/a n/a 39.5% 35.2% 41.4% n/a
1-4 Family 100.2%
+0.2pp YoY
0.0pp QoQ
 +67.6pp 32.6% 36.6% 31.3% 100%
Consumer n/a n/a 4.1% 37.2% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
CET1 Ratio 164.9%
+10.5pp YoY
-9.1pp QoQ
 +146.1pp 18.8% 52.4% 19.7% 100%
Leverage Ratio 29.6%
-0.1pp YoY
-1.3pp QoQ
 +17.4pp 12.2% 28.0% 12.6% 99%
Total Capital Ratio 165.2%
+10.6pp YoY
-9.1pp QoQ
 +145.2pp 19.9% 53.4% 20.8% 100%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Full-Time Employees 16
+1 (+6.7%) YoY
0 QoQ
 -43 58 6,324 482 5%
Assets per Employee ($) $15.9M
-27.7% YoY
+0.8% QoQ
 +$8.4M $7.5M $17.7M $8.8M 98%
Branch Count 1
0 YoY
0 QoQ
 -4 4 249 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual 2.5%
-0.2pp YoY
0.0pp QoQ
 +1.6pp 0.9% 1.3% 1.0% 91%
Allowance Coverage 0.09x
+513.5% YoY
+21.8% QoQ
 -24.06x 24.15x 2.44x 20.23x 0%
Net Charge-off Rate (YTD) n/a n/a 0.1% 1.5% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
ROE 14.3%
0.0pp YoY
-0.4pp QoQ
 +2.2pp 12.2% 13.0% 11.6% 64%
Cost of Funds (YTD) n/a n/a 1.7% 1.7% 1.7% n/a
Net Income ($, YTD) $7.3M
+7.5% YoY
— QoQ
 +$4.7M $2.6M $432.8M $40.4M 96%

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
#12 of 661 • Top 1.7% 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: 3.79%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 5.82%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Profitability Leader

growth
#16 of 661 • Top 2.3% in tier

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

Why this signature
Return on Assets: 5.82%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Deposit Outflow

decline
#139 of 535 • Bottom 25.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

4
Non-Interest-Bearing Deposit Share
funding
Value: 99.99%
Peer Median: 22.03%
#4 of 2643 Top 0.1% in $100M-$1B
7
Tier 1 Capital Ratio
capital
Value: 164.90%
Peer Median: 15.91%
#7 of 2643 Top 0.2% in $100M-$1B
9
Efficiency Ratio
profitability
Value: 22.80%
Peer Median: 64.48%
#9 of 2643 Top 0.3% in $100M-$1B
11
Loan-to-Deposit Ratio
liquidity
Value: 4.35%
Peer Median: 77.95%
#11 of 2643 Top 0.4% in $100M-$1B
13
Return on Assets
profitability
Value: 5.82%
Peer Median: 1.32%
#13 of 2643 Top 0.5% in $100M-$1B
25
Non-Interest Income / Assets
revenue_mix
Value: 3.79%
Peer Median: 0.57%
#25 of 2643 Top 0.9% in $100M-$1B
621
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.67%
#621 of 2643 Top 23.5% in $100M-$1B

Top Weaknesses (4 metrics)

2632
Total Loans
size
Value: $6.55M
Peer Median: $258.35M
#2632 of 2643 Bottom 0.5% in $100M-$1B
2402
Delinquency Rate
credit_quality
Value: 2.49%
Peer Median: 0.92%
#2402 of 2633 Bottom 8.8% in $100M-$1B
2067
Total Deposits
size
Value: $150.50M
Peer Median: $326.73M
#2067 of 2643 Bottom 21.8% in $100M-$1B
2022
Net Interest Margin
profitability
Value: 3.40%
Peer Median: 3.99%
#2022 of 2643 Bottom 23.5% in $100M-$1B
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