BlastPoint's Banking Scorecard

The Bank of New York Mellon

$250B+ Specialty: International NY FDIC cert 639

New York, NY

13 branches across NY · CA · DC · MA · NJ · PA · TX

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 18 banks in the $250B+ peer group nationwide — 1 of 3 in NY.
Deposits +7.0% year over year ($372.6B on the books).
Delinquency rate 0.04%.
Return on assets 1.36%.
Efficiency ratio 57.49% vs a 52.80% peer average.
Loan-to-deposit ratio 12.47% vs a 59.04% peer average.

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

18 banks in the $250B+ peer group nationally 3 in NY

View $250B+ leaderboard (NY) →

The Bank of New York Mellon has 4 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 40.0% in tier
+ Profitability Leader: Top 40.0% in tier
+ Delinquency Rate 0.74% below tier average
+ Nonperforming Asset Ratio 0.41% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.47% below tier average
- Efficiency Ratio 4.69% above tier average

Get updates when The Bank of New York Mellon releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$425.1B +6.7% YoY -9.0% QoQ	-$511.2B	$936.3B -15.8% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	50%
Total Loans ?	$46.5B +31.9% YoY -22.9% QoQ	-$363.0B	$409.5B -13.1% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	Bottom 5.6% in tier
Total Deposits ?	$372.6B +7.0% YoY -11.2% QoQ	-$340.7B	$713.2B -15.8% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	50%
Return on Assets ?	1.36% +8.4% YoY +5.2% QoQ	+0.19%	1.17% +26.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	78%
Net Interest Margin ?	1.47% -0.8% YoY +2.3% QoQ	-1.47%	2.94% -1.8% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	Bottom 11.1% in tier
Efficiency Ratio ?	57.49% -6.4% YoY -1.8% QoQ	+4.69%	52.80% -5.4% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	39%
Delinquency Rate ?	0.04% -94.5% YoY -52.9% QoQ	-0.74%	0.78% -21.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Top 5.6% in tier
Loan-to-Deposit Ratio ?	12.47% +23.3% YoY -13.1% QoQ	-46.57%	59.04% +5.5% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	Top 0.1% in tier
Non-Interest-Bearing Deposit Share ?	25.23% +16.4% YoY -21.5% QoQ	+8.93%	16.30% -11.5% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	83%
Nonperforming Asset Ratio ?	0.00% -93.2% YoY -60.0% QoQ	-0.41%	0.42% -12.7% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.56% -17.1% YoY +1.2% QoQ	-0.65%	15.20% +5.2% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	61%
Non-Interest Income / Assets ?	1.41% +5.6% YoY +129.5% QoQ	+0.77%	0.64% -10.8% YoY	0.52% +23.2% 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 (NY)	National Avg	Tier Percentile
Noninterest-Bearing	25.2% +3.6pp YoY -6.9pp QoQ	+8.9pp	16.3%	22.1%	22.2%	78%
Brokered Deposits	3.5% -0.2pp YoY +0.6pp QoQ	-3.5pp	7.0%	8.0%	8.5%	39%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	4.0% -0.4pp YoY +1.5pp QoQ	-15.6pp	19.6%	11.0%	12.5%	6%
CRE	10.4% -4.2pp YoY +2.2pp QoQ	-1.9pp	12.2%	46.2%	41.4%	33%
1-4 Family	4.9% +0.7pp YoY +1.7pp QoQ	-15.7pp	20.6%	36.6%	31.3%	12%
Consumer	n/a	n/a	16.9%	5.1%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	14.6% -3.0pp YoY +0.2pp QoQ	-0.6pp	15.2%	26.1%	19.7%	56%
Leverage Ratio	6.2% -0.7pp YoY +0.1pp QoQ	-2.6pp	8.8%	13.9%	12.6%	6%
Total Capital Ratio	14.8% -2.9pp YoY +0.2pp QoQ	-1.5pp	16.3%	27.2%	20.8%	44%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	38,935 -2948 (-7.0%) YoY -291 (-0.7%) QoQ	-24,624	63,559	914	482	50%
Assets per Employee ($)	$10.9M +14.8% YoY -8.4% QoQ	-$50.2M	$61.1M	$14.8M	$8.8M	22%
Branch Count	13 +1 (+8.3%) YoY 0 QoQ	-1,395	1,407	27	18	28%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.0% -0.4pp YoY 0.0pp QoQ	-0.5pp	0.6%	1.3%	1.0%	6%
Allowance Coverage	10.00x +999.2% YoY +160.7% QoQ	+7.86x	2.14x	1.92x	20.23x	94%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.6pp	0.5%	0.1%	0.2%	0%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	19.6% +4.2pp YoY +1.0pp QoQ	+7.2pp	12.4%	7.9%	11.6%	94%
Cost of Funds (YTD)	3.8% -1.5pp YoY 0.0pp QoQ	+1.6pp	2.2%	1.8%	1.7%	94%
Net Income ($, YTD)	$2.9B +26.6% YoY — QoQ	-$3.0B	$5.9B	$111.2M	$40.4M	44%

Get Full Access to The Bank of New York Mellon

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

#3 of 5 • Top 40.0% 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: 1.41%

(Tier: 0.64%, National: 0.66%)

better than tier avg

Return on Assets: 1.36%

(Tier: 1.17%, National: 1.30%)

better than tier avg

5 of 5 Titans banks match · 923 nationally

→ Stable

Profitability Leader

growth

#3 of 5 • Top 40.0% in tier

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

Why this signature

Return on Assets: 1.36%

(Tier: 1.17%, National: 1.30%)

better than tier avg

5 of 5 Titans banks match · 923 nationally

→ Stable

Concerns (0)

No matched concern signatures this quarter

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 18 peers in $250B+

Top Strengths (6 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 12.47%

Peer Median: 59.04%

#1 of 18 Top 0.1% in $250B+

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.42%

#1 of 18 Top 0.1% in $250B+

Non-Interest Income / Assets

revenue_mix

Value: 1.41%

Peer Median: 0.64%

#1 of 18 Top 0.1% in $250B+

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.78%

#2 of 18 Top 5.6% in $250B+

Non-Interest-Bearing Deposit Share

funding

Value: 25.23%

Peer Median: 16.30%

#4 of 18 Top 16.7% in $250B+

Return on Assets

profitability

Value: 1.36%

Peer Median: 1.17%

#5 of 18 Top 22.2% in $250B+

Top Weaknesses (2 metrics)

Total Loans

size

Value: $46.46B

Peer Median: $409.50B

#18 of 18 Bottom 5.6% in $250B+

Net Interest Margin

profitability

Value: 1.47%

Peer Median: 2.94%

#17 of 18 Bottom 11.1% in $250B+