Total Assets
$31.3B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$26.7B
Customer-funded liabilities
Net Loans
$18.8B
Outstanding loan book
Net Income
$287M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
38th percentile nationally
0.94%
Return on Equity (ROE)
8.02%
Efficiency Ratio
66.72%
What the numbers say about BNY Mellon, National Association
BNY Mellon, National Association is an FDIC-insured institution (Certificate #7946) headquartered in Pittsburgh, Pennsylvania, established in 1869. It holds $31.3B in total assets - 70th of 4,313 FDIC-insured banks, $26.7B in customer deposits, and $18.8B in net loans. Its capital position: a Tier 1 ratio of 14.35%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.26% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (77 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, BNY Mellon, National Association sits in the top decile of all FDIC-insured institutions by asset size (70th of 4,313), and within Pennsylvania it ranks 3rd of 112 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Customers Bank, at $24.9B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in Pennsylvania by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is BNY Mellon, National Association's health grade?▼
BNY Mellon, National Association receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is BNY Mellon, National Association?▼
BNY Mellon, National Association holds $31.3B in total assets and $26.7B in deposits, ranking 70th of 4,313 FDIC-insured banks by asset size. It is headquartered in Pittsburgh, Pennsylvania.
Is my money safe at BNY Mellon, National Association?▼
Yes, deposits at BNY Mellon, National Association (Certificate #7946) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is BNY Mellon, National Association's Tier 1 Capital Ratio?▼
BNY Mellon, National Association has a Tier 1 Capital Ratio of 14.35%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for BNY Mellon, National Association?▼
BNY Mellon, National Association has a Texas Ratio of 0.26%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is BNY Mellon, National Association?▼
BNY Mellon, National Association has an Efficiency Ratio of 66.72%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read BNY Mellon, National Association's profile as a depositor or analyst.
- BNY Mellon, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare BNY Mellon, National Association against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.