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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

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 139 banks in the $10B-$250B peer group nationwide — 1 of 8 in PA.
  • Deposits +4.9% year over year ($26.0B on the books).
  • Delinquency rate 0.06%.
  • Return on assets 0.87%.
  • Efficiency ratio 71.19% vs a 53.67% peer average.
  • Loan-to-deposit ratio 71.33% vs a 82.61% peer average.

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

139 banks in the $10B-$250B peer group nationally 8 in PA
View $10B-$250B leaderboard (PA) →

BNY Mellon, National Association has 3 strengths but faces 4 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 42.9% in tier
  • + Delinquency Rate 0.96% below tier average
  • + Nonperforming Asset Ratio 0.69% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.1% in tier
  • - Net Interest Margin 2.79% below tier average
  • - Efficiency Ratio 17.52% above tier average
  • - ROA 0.52% below tier average
Get updates when BNY Mellon, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $30.6B
+3.5% YoY -1.0% QoQ
-$13.0B $43.6B
-13.8% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
63%
Total Loans ? $18.6B
-1.2% YoY +0.0% QoQ
-$9.4B $28.0B
-8.6% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
55%
Total Deposits ? $26.0B
+4.9% YoY -0.4% QoQ
-$9.4B $35.4B
-14.0% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
64%
Return on Assets ? 0.87%
+5.7% YoY +9.5% QoQ
-0.52% 1.39%
+25.9% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
Bottom 12.9% in tier
Net Interest Margin ? 1.13%
-1.3% YoY -1.5% QoQ
-2.79% 3.92%
+8.9% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 1.4% in tier
Efficiency Ratio ? 71.19%
-0.7% YoY -3.0% QoQ
+17.52% 53.67%
-1.9% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
Bottom 7.9% in tier
Delinquency Rate ? 0.06%
+85.6% YoY -0.0% QoQ
-0.96% 1.01%
-2.8% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
Top 2.9% in tier
Loan-to-Deposit Ratio ? 71.33%
-5.8% YoY +0.5% QoQ
-11.28% 82.61%
+3.1% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
82%
Non-Interest-Bearing Deposit Share ? 2.82%
+11.9% YoY +14.1% QoQ
-17.76% 20.58%
+4.9% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
Bottom 14.4% in tier
Nonperforming Asset Ratio ? 0.04%
+57.0% YoY +1.0% QoQ
-0.69% 0.73%
+5.8% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
Top 4.3% in tier
Tier 1 Capital Ratio ? 15.97%
+14.5% YoY +2.5% QoQ
+0.61% 15.35%
-0.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 1.45%
+3.4% YoY +104.3% QoQ
+0.95% 0.50%
+10.5% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
Top 4.3% 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 (PA) National Avg Tier Percentile
Noninterest-Bearing 2.8%
+0.3pp YoY
+0.3pp QoQ
 -18.2pp 21.0% 18.7% 22.2% 12%
Brokered Deposits 31.6%
-0.9pp YoY
-0.6pp QoQ
 +22.4pp 9.2% 6.8% 8.5% 95%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 0.9%
-4.0pp YoY
+0.4pp QoQ
 -16.3pp 17.2% 8.6% 12.5% 4%
CRE 4.4%
0.0pp YoY
-0.1pp QoQ
 -37.7pp 42.0% 37.9% 41.4% 2%
1-4 Family 43.9%
-2.2pp YoY
-0.7pp QoQ
 +20.7pp 23.1% 47.8% 31.3% 94%
Consumer 0.4%
-16.4pp YoY
-0.2pp QoQ
 -12.5pp 12.9% 3.8% 5.0% 20%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 16.0%
+2.0pp YoY
+0.4pp QoQ
 +0.7pp 15.3% 22.3% 19.7% 85%
Leverage Ratio 6.5%
-0.6pp YoY
+0.2pp QoQ
 -3.9pp 10.4% 13.2% 12.6% 0%
Total Capital Ratio 17.9%
+2.4pp YoY
+0.4pp QoQ
 +1.3pp 16.5% 23.3% 20.8% 84%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 1,306
-68 (-4.9%) YoY
-30 (-2.2%) QoQ
 -1,952 3,258 299 482 30%
Assets per Employee ($) $23.4M
+8.9% YoY
+1.3% QoQ
 -$3.6M $27.0M $9.2M $8.8M 78%
Branch Count 29
-1 (-3.3%) YoY
0 QoQ
 -109 137 20 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.4% 0.2% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.7% 0.9% 1.0% 6%
Allowance Coverage 1.91x
-47.9% YoY
-19.2% QoQ
 -0.90x 2.81x 3.63x 20.23x 57%
Net Charge-off Rate (YTD) n/a n/a 0.4% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 7.7%
+0.8pp YoY
+0.6pp QoQ
 -5.0pp 12.6% 10.2% 11.6% 16%
Cost of Funds (YTD) 3.0%
-0.5pp YoY
0.0pp QoQ
 +1.0pp 2.0% 1.8% 1.7% 89%
Net Income ($, YTD) $135.0M
+8.9% YoY
— QoQ
 -$161.8M $296.8M $18.2M $40.4M 41%

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 35 • Top 42.9% 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: 1.45%
(Tier: 0.50%, National: 0.66%)
better than tier avg
Return on Assets: 0.87%
(Tier: 1.39%, National: 1.30%)
but worse than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable

Concerns (1)

Credit Quality Pressure

risk
#1 of 67 • Bottom 0.1% 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: 1.01%, National: 0.98%)
better than tier avg
67 of 67 Large banks match · 1820 nationally
→ Stable -71 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 139 peers in $10B-$250B

Top Strengths (5 metrics)

5
Delinquency Rate
credit_quality
Value: 0.06%
Peer Median: 1.01%
#5 of 138 Top 2.9% in $10B-$250B
7
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.73%
#7 of 139 Top 4.3% in $10B-$250B
7
Non-Interest Income / Assets
revenue_mix
Value: 1.45%
Peer Median: 0.50%
#7 of 139 Top 4.3% in $10B-$250B
23
Tier 1 Capital Ratio
capital
Value: 15.97%
Peer Median: 15.35%
#23 of 139 Top 15.8% in $10B-$250B
26
Loan-to-Deposit Ratio
liquidity
Value: 71.33%
Peer Median: 82.61%
#26 of 139 Top 18.0% in $10B-$250B

Top Weaknesses (4 metrics)

138
Net Interest Margin
profitability
Value: 1.13%
Peer Median: 3.92%
#138 of 139 Bottom 1.4% in $10B-$250B
129
Efficiency Ratio
profitability
Value: 71.19%
Peer Median: 53.67%
#129 of 139 Bottom 7.9% in $10B-$250B
122
Return on Assets
profitability
Value: 0.87%
Peer Median: 1.39%
#122 of 139 Bottom 12.9% in $10B-$250B
120
Non-Interest-Bearing Deposit Share
funding
Value: 2.82%
Peer Median: 20.58%
#120 of 139 Bottom 14.4% in $10B-$250B
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