BlastPoint's Banking Scorecard

BNY Mellon, National Association

$10B-$250B Specialty: Other PA FDIC cert 7946

Pittsburgh, PA

29 branches across FL · CA · NY · PA · CT · TX · CO · DC · DE · GA · IL · MA · NJ · NV · OH · WA

135 banks in the $10B-$250B peer group nationally 8 in PA

BNY Mellon, National Association has 3 strengths but faces 5 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 44.1% in tier
+ Delinquency Rate 0.96% below tier average
+ Nonperforming Asset Ratio 0.68% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.4% in tier
- Credit Risk Growth: Bottom 3.1% in tier
- Net Interest Margin 2.62% below tier average
- Efficiency Ratio 19.52% above tier average
- ROA 0.49% below tier average

Get updates when BNY Mellon, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$30.9B +2.8% YoY -1.3% QoQ	-$16.4B	$47.4B -2.0% YoY	$3.1B +7.0% YoY	$6.2B +9.0% YoY	61%
Total Loans ?	$18.6B +1.5% YoY -1.2% QoQ	-$11.1B	$29.6B -0.4% YoY	$2.2B +7.7% YoY	$3.2B +10.7% YoY	53%
Total Deposits ?	$26.1B +3.2% YoY -2.2% QoQ	-$12.6B	$38.7B -1.6% YoY	$2.6B +7.1% YoY	$4.8B +8.0% YoY	62%
Return on Assets ?	0.80% +20.7% YoY -15.1% QoQ	-0.49%	1.28% +19.3% YoY	1.46% +26.2% YoY	1.24% +13.1% YoY	16%
Net Interest Margin ?	1.15% -1.6% YoY +0.6% QoQ	-2.62%	3.77% +5.6% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Bottom 1.5% in tier
Efficiency Ratio ?	73.42% -6.1% YoY +10.0% QoQ	+19.52%	53.90% -4.0% YoY	69.09% -7.7% YoY	66.84% -3.8% YoY	Bottom 8.1% in tier
Delinquency Rate ?	0.06% +80.7% YoY +23.7% QoQ	-0.96%	1.02% -4.1% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	Top 3.0% in tier
Loan-to-Deposit Ratio ?	71.00% -1.7% YoY +1.1% QoQ	-9.89%	80.88% +2.0% YoY	83.35% -0.2% YoY	76.69% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	2.48% -13.9% YoY -43.4% QoQ	-17.35%	19.82% +0.3% YoY	17.71% -0.1% YoY	22.01% -1.1% YoY	17%
Nonperforming Asset Ratio ?	0.04% +58.0% YoY +19.8% QoQ	-0.68%	0.73% +4.0% YoY	0.67% +14.7% YoY	0.66% +19.3% YoY	Top 5.2% in tier
Tier 1 Capital Ratio ?	15.57% +13.0% YoY +8.5% QoQ	+0.01%	15.56% -0.1% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.71% +2.4% YoY -73.6% QoQ	+0.48%	0.23% +0.9% YoY	0.69% +18.0% YoY	0.32% +4.0% YoY	Top 2.2% in tier

Get Full Access to BNY Mellon, National Association

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 (1)

Revenue Diversifier

growth

#16 of 34 • Top 44.1% 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: 0.71%

(Tier: 0.23%, National: 0.32%)

better than tier avg

Return on Assets: 0.80%

(Tier: 1.28%, National: 1.24%)

but worse than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk

#2 of 70 • Bottom 1.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.06%

(Tier: 1.02%, National: 0.95%)

better than tier avg

70 of 70 Large banks match · 1896 nationally

→ Stable +4 banks QoQ

Credit Risk Growth

risk

#3 of 65 • Bottom 3.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

65 of 65 Large banks match · 1462 nationally

→ Stable -11 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 135 peers in $10B-$250B

Top Strengths (5 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.71%

Peer Median: 0.23%

#4 of 135 Top 2.2% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 1.02%

#5 of 134 Top 3.0% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.73%

#8 of 135 Top 5.2% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 15.57%

Peer Median: 15.56%

#28 of 135 Top 20.0% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 71.00%

Peer Median: 80.88%

#30 of 135 Top 21.5% in $10B-$250B

Top Weaknesses (4 metrics)

134

Net Interest Margin

profitability

Value: 1.15%

Peer Median: 3.77%

#134 of 135 Bottom 1.5% in $10B-$250B

125

Efficiency Ratio

profitability

Value: 73.42%

Peer Median: 53.90%

#125 of 135 Bottom 8.1% in $10B-$250B

114

Return on Assets

profitability

Value: 0.80%

Peer Median: 1.28%

#114 of 135 Bottom 16.3% in $10B-$250B

113

Non-Interest-Bearing Deposit Share

funding

Value: 2.48%

Peer Median: 19.82%

#113 of 135 Bottom 17.0% in $10B-$250B