BlastPoint's Banking Scorecard
The Bank of New York Mellon
New York, NY
13 branches across NY · CA · DC · MA · NJ · PA · TX
The Bank of New York Mellon has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 50.0% in tier
- + Delinquency Rate 0.83% below tier average
- + Non-Interest-Bearing Deposit Share 13.54% above tier average
- + Nonperforming Asset Ratio 0.47% below tier average
- + ROA 0.15% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.61% below tier average
- - Efficiency Ratio 2.68% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$467.3B
+31.2% YoY
+22.7% QoQ
|
-$539.8B |
$1,007.1B
-0.5% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
44% |
| Total Loans ? |
$60.2B
+68.6% YoY
+48.8% QoQ
|
-$375.9B |
$436.2B
+3.5% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.5% in tier |
| Total Deposits ? |
$419.7B
+35.1% YoY
+26.3% QoQ
|
-$347.3B |
$767.0B
-1.7% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
1.29%
+3.0% YoY
-1.4% QoQ
|
+0.15% |
1.15%
+9.3% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
1.43%
-6.1% YoY
-6.0% QoQ
|
-1.61% |
3.05%
+6.7% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.5% in tier |
| Efficiency Ratio ? |
58.57%
-6.5% YoY
-3.6% QoQ
|
+2.68% |
55.89%
+3.9% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
0.09%
-84.1% YoY
-71.8% QoQ
|
-0.83% |
0.92%
-4.7% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
14.35%
+24.8% YoY
+17.9% QoQ
|
-44.29% |
58.65%
+11.5% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Top 0.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.14%
+71.1% YoY
+59.6% QoQ
|
+13.54% |
18.60%
+9.6% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
Top 0.1% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-79.5% YoY
-66.0% QoQ
|
-0.47% |
0.48%
+3.7% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.38%
-16.6% YoY
-11.9% QoQ
|
+0.38% |
14.00%
-15.5% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.61%
-14.7% YoY
-78.5% QoQ
|
+0.27% |
0.35%
-0.9% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
Top 6.2% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.