Total Assets
$242M
Total balance-sheet footings
FDIC Cert #24867 · Wilmington, Delaware · Est. 1983
BNY Mellon Trust of Delaware - FDIC Bank Health Profile
A community-scale look at BNY Mellon Trust of Delaware's own numbers, pulled straight from its quarterly FDIC Call Report.
- $242M
- Total assets
- A
- Health grade · Excellent
- 5.38%
- Return on assets
- 157.8%
- Tier 1 capital
Data updated July 2026
The verdict
BNY Mellon Trust of Delaware earns a PlainBankData health grade of A (100/100), with well-capitalized at 157.81% Tier 1, profitable at 5.38% ROA, efficient (23% cost ratio).
- #2,782
- largest of 4,313 FDIC banks by assets
- 35th
- percentile by asset size, nationally
- 157.81%
- Tier 1 ratio - above the 10% well-capitalized line
- 99th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How BNY Mellon Trust of Delaware's 100/100 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 Trust of Delaware's composite health score
Tier 1 Capital Ratio (157.81%) 40/40
Return on Assets (ROA) (5.38%) 25/25
Texas Ratio (0.18%) 20/20
Efficiency Ratio (23.11%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$140M
Customer-funded liabilities
Net Loans
$7M
Outstanding loan book
Net Income
$14M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where BNY Mellon Trust of Delaware ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BNY Mellon Trust of Delaware's score of 100/100 falls in the highlighted band.
BNY Mellon Trust of Delaware'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 Trust of Delaware's $242M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
157.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
157.81%
Texas Ratio
0.18%
Equity Capital
$99M
Profitability metrics
Return on Assets (ROA)
99th percentile nationally
5.38%
Return on Equity (ROE)
14.41%
Efficiency Ratio
23.11%
What the numbers say about BNY Mellon Trust of Delaware
BNY Mellon Trust of Delaware is an FDIC-insured institution (Certificate #24867) headquartered in Wilmington, Delaware, established in 1983. It holds $242M in total assets - 2,782nd of 4,313 FDIC-insured banks, $140M in customer deposits, and $7M in net loans. On safety, its Tier 1 capital ratio of 157.81% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.18% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (100/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Delaware, BNY Mellon Trust of Delaware ranks 14th of 16 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$6M
Interest Income
$17M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. BNY Mellon Trust of Delaware reports a Texas Ratio of 0.18% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Delaware by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BNY Mellon Trust of Delaware (FDIC Cert #24867) - 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 Delaware
All Delaware banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| PNC Bank, National AssociationWilmington | $568.3B | A | 1.30% |
| TD Bank, National AssociationWilmington | $346.2B | A | 0.54% |
| Santander Bank, N.A.Wilmington | $104.1B | A | 1.36% |
| Barclays Bank DelawareWilmington | $47.6B | B | 0.87% |
| TD Bank USA, National AssociationWilmington | $34.6B | A | 1.16% |
| Wilmington Savings Fund Society, FSBWilmington | $21.2B | A | 1.43% |
| Comenity BankWilmington | $7.8B | A | 4.91% |
| Wilmington Trust, National AssociationWilmington | $773M | A | 7.95% |
Frequently asked questions
What is BNY Mellon Trust of Delaware's health grade?▼
BNY Mellon Trust of Delaware receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is BNY Mellon Trust of Delaware?▼
BNY Mellon Trust of Delaware holds $242M in total assets and $140M in deposits, ranking 2,782nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Wilmington, Delaware.
Is my money safe at BNY Mellon Trust of Delaware?▼
Yes, deposits at BNY Mellon Trust of Delaware (Certificate #24867) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is BNY Mellon Trust of Delaware's Tier 1 Capital Ratio?▼
BNY Mellon Trust of Delaware has a Tier 1 Capital Ratio of 157.81%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for BNY Mellon Trust of Delaware?▼
BNY Mellon Trust of Delaware has a Texas Ratio of 0.18%. A ratio below 50% is generally considered 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 Trust of Delaware?▼
BNY Mellon Trust of Delaware has an Efficiency Ratio of 23.11%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read BNY Mellon Trust of Delaware's profile as a depositor or analyst.
- BNY Mellon Trust of Delaware's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare BNY Mellon Trust of Delaware against other Delaware banks before moving funds. Delaware 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.