FDIC Cert #7946 · Pittsburgh, Pennsylvania · Est. 1869

BNY Mellon, National Association - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$31.3B
Total assets
B
Health grade · Good
0.94%
Return on assets
14.4%
Tier 1 capital

Data updated July 2026

The verdict

BNY Mellon, National Association earns a PlainBankData health grade of B (77/100), with well-capitalized at 14.35% Tier 1, 0.94% ROA, 67% efficiency ratio.

#70
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
14.35%
Tier 1 ratio - above the 10% well-capitalized line
38th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 7946 · PA B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2292/4307
  • PHOTO-FINISH Independence Bank of… · KY
  • TIER1-WELL 14.4% Tier 1
  • TEXAS-CLEAN 0.3% Texas
  • ROA-PAR 0.94% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Pennsylvania: Independence Bank of Kentucky, KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around BNY Mellon

Lowest and highest poles plus nearest scored peers outside Pennsylvania, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Arrow Bank National… · NY · …77/100BNY Mellon, National… · PA ·…77/100Community Bank of Mi… · MS ·…77/100First Bank · VA · near77/100Independence Bank of… · KY ·…77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around BNY Mellon · July 2026

Call Report read for BNY Mellon in a high-failure state

BNY Mellon, National Association (FDIC Cert #7946) carries a PlainBankData health grade of B at 77/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,292 of 4,307. Tier 1 capital prints at 14.35%, clearing the 10% well-capitalized line. The Texas Ratio is 0.26%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.94%. Balance-sheet scale is $31.3B, 70th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Independence Bank of Kentucky (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around BNY Mellon

11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus

BNY Mellon, National Association sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2024). The list below is state history from the Failed Bank List, not a claim about BNY Mellon, National Association's current Call Report.

  • REPUBLIC BANK PHILADELPHIA, PA 2024 → FULTON BANK, NATIONAL ASSOCIATION
  • FIRST CORNERSTONE BANK KING OF PRUSSIA, PA 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • VANTAGE POINT BANK HORSHAM, PA 2014 → FIRST CHOICE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Pennsylvania banks.

How BNY Mellon, National Association's 77/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10077/100
BNY Mellon, National Association's composite health score
Tier 1 Capital Ratio (14.35%) 35/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (0.26%) 20/20
Efficiency Ratio (66.72%) 8/15

77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$31.3B

Total balance-sheet footings

Total Deposits

$26.7B

Customer-funded liabilities

Net Loans

$18.8B

Outstanding loan book

Net Income

$287M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.95% 14.35% 15.75%
Basel III capital ratios - BNY Mellon, National Association

Where BNY Mellon, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BNY Mellon, National Association's score of 77/100 falls in the highlighted band.

BNY Mellon, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 47th percentile higher than 47% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. BNY Mellon 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

BNY Mellon, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). BNY Mellon, National Association's $31.3B falls in the highlighted band.

Capital & credit buffers at BNY Mellon

Tier 1 capital ratio
Well-capitalized 10%

14.35% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.35%
Texas Ratio
0.26%
Equity Capital
$3.5B

What these ratios mean →

Profitability metrics: BNY Mellon

Return on Assets (ROA)
38th percentile nationally
0.94%
Return on Equity (ROE)
8.02%
Efficiency Ratio
66.72%

What these mean →

Income & expense at BNY Mellon

$1.3B
Interest Income
$840M
Non-Interest Income
$780M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. BNY Mellon, National Association reports a Texas Ratio of 0.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View BNY Mellon, National Association on FDIC BankFind →

Top banks in Pennsylvania by total assets

Largest banks headquartered in Pennsylvania
  1. 1
    First National Bank of Pennsylvania $50.0B

    Greenville, PA · Grade A

  2. 2
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  3. 3
    BNY Mellon $31.3B

    Pittsburgh, PA · Grade B

  4. 4
    Customers Bank $24.9B

    Malvern, PA · Grade A

  5. 5
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

Top 5 banks in Pennsylvania ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to BNY Mellon, National Association by assets

Measured strictly by total assets rather than geography, BNY Mellon, National Association's closest national peers include Texas Capital Bank, Glacier Bank, Fulton Bank, Eastern Bank, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Pennsylvania. Averaged across this asset-matched cohort, return on assets runs 1.39% (BNY Mellon, National Association is below that at 0.94%), the efficiency ratio averages 52.13% (BNY Mellon, National Association runs higher at 66.72%), and Tier 1 capital averages 12.89% (BNY Mellon, National Association holds more at 14.35%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $31.3B in assets, BNY Mellon, National Association has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to BNY Mellon, National Association nationally by total assets
  1. 1
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  2. 2
    Glacier Bank $32.0B

    Kalispell, MT · Grade B

  3. 3
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  4. 4
    Eastern Bank $30.6B

    Boston, MA · Grade B

  5. 5
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  6. 6
    Sallie Mae Bank $29.7B

    Salt Lake City, UT · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
BNY Mellon, National Association (this bank) PA $31.3B 0.94% 66.72% 14.35%
Texas Capital Bank TX $31.3B 1.10% 57.52% 13.01%
Glacier Bank MT $32.0B 0.90% 61.10% 12.67%
Fulton Bank, National Association PA $32.0B 1.33% 56.05% 12.84%
Eastern Bank MA $30.6B 0.39% 54.83% 12.41%
Commerce Bank MO $32.7B 1.74% 54.68% 15.32%
Sallie Mae Bank UT $29.7B 2.90% 28.58% 11.09%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($31.3B here), outside Pennsylvania so the neighborhood is not state containment.

Texas Capital Bank $31.3B · TX Glacier Bank $32.0B · MT Eastern Bank $30.6B · MA Commerce Bank $32.7B · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BNY Mellon, National Association (FDIC Cert #7946) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

BNY Mellon, National Association Call Report profile · FDIC Failed Bank List · Pennsylvania FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Pennsylvania

All Pennsylvania banks →
BankAssetsGradeROA
First National Bank of PennsylvaniaGreenville $50.0B A 1.29%
Fulton Bank, National AssociationLancaster $32.0B A 1.33%
Customers BankMalvern $24.9B A 1.01%
TriState Capital BankPittsburgh $23.3B A 0.78%
Northwest BankWarren $16.8B B 0.92%
Dollar Bank, Federal Savings BankPittsburgh $12.5B B 0.53%
First Commonwealth BankIndiana $12.3B B 1.33%
S&T BankIndiana $9.9B A 1.43%