FDIC Cert #639 · New York, New York · Est. 1851

The Bank of New York Mellon - 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.
$381.0B
Total assets
A
Health grade · Excellent
1.31%
Return on assets
16.3%
Tier 1 capital

Data updated July 2026

The verdict

The Bank of New York Mellon earns a PlainBankData health grade of A (88/100), with well-capitalized at 16.33% Tier 1, profitable at 1.31% ROA, 61% efficiency ratio.

#10
largest of 4,313 FDIC banks by assets
100th
percentile by asset size, nationally
16.33%
Tier 1 ratio - above the 10% well-capitalized line
65th
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 639 · NY A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #846/4307
  • PHOTO-FINISH Farmers and Merchant… · SD
  • TIER1-WELL 16.3% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-STRONG 1.31% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: Farmers and Merchants State Bank, SD (±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 The Bank of New York Mellon

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

Morgan Stanley Bank,… · UT ·…100/100American Exchange Bank · OK …88/100Farmers and Merchant… · SD ·…88/100Merchants and Plante… · MS ·…88/100Sooner State Bank · OK · near88/100The Bank of New York… · NY ·…88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Bank of New York Mellon · July 2026

What The Bank of New York Mellon's Call Report plate shows

The Bank of New York Mellon (FDIC Cert #639) carries a PlainBankData health grade of A at 88/100, 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 #846 of 4,307. Tier 1 capital prints at 16.33%, clearing the 10% well-capitalized line. The Texas Ratio is 0.44%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.31%. Balance-sheet scale is $381.0B, 10th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers and Merchants State Bank (SD), 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 The Bank of New York Mellon

6 FAILURE resolutions in New York since 2000 (5 since 2008)

The Bank of New York Mellon's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Bank of New York Mellon remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

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

How The Bank of New York Mellon's 88/100 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 avg77/10088/100
The Bank of New York Mellon's composite health score
Tier 1 Capital Ratio (16.33%) 40/40
Return on Assets (ROA) (1.31%) 20/25
Texas Ratio (0.44%) 20/20
Efficiency Ratio (60.76%) 8/15

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

Balance sheet at a glance

Total Assets

$381.0B

Total balance-sheet footings

Total Deposits

$332.4B

Customer-funded liabilities

Net Loans

$40.5B

Outstanding loan book

Net Income

$4.8B

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.) 14.93% 16.33% 17.73%
Basel III capital ratios - The Bank of New York Mellon

Where The Bank of New York Mellon ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of New York Mellon's score of 88/100 falls in the highlighted band.

The Bank of New York Mellon: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 20% higher than 80% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Bank of New York 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

The Bank of New York Mellon'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). The Bank of New York Mellon's $381.0B falls in the highlighted band.

Safety ratios for The Bank of New York Mellon

Tier 1 capital ratio
Well-capitalized 10%

16.33% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.33%
Texas Ratio
0.44%
Equity Capital
$29.8B

What these ratios mean →

Earnings posture at The Bank of New York Mellon

Return on Assets (ROA)
65th percentile nationally
1.31%
Return on Equity (ROE)
16.35%
Efficiency Ratio
60.76%

What these mean →

Income & expense at The Bank of New York Mellon

$22.1B
Interest Income
$10.9B
Non-Interest Income
$9.7B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of New York Mellon reports a Texas Ratio of 0.44% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Bank of New York Mellon on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

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

National size peers: banks closest to The Bank of New York Mellon by assets

Measured strictly by total assets rather than geography, The Bank of New York Mellon's closest national peers include State Street Bank and Trust Company, TD Bank, Morgan Stanley Private Bank, Charles Schwab Bank, SSB, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within New York. Averaged across this asset-matched cohort, return on assets runs 1.04% (The Bank of New York Mellon is above that at 1.31%), the efficiency ratio averages 42.47% (The Bank of New York Mellon runs higher at 60.76%), and Tier 1 capital averages 21.90% (The Bank of New York Mellon holds less at 16.33%). 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 $381.0B in assets, The Bank of New York Mellon sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to The Bank of New York Mellon nationally by total assets
  1. 1
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

  2. 2
    TD Bank $346.2B

    Wilmington, DE · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  5. 5
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  6. 6
    BMO Bank $252.1B

    Chicago, IL · 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
The Bank of New York Mellon (this bank) NY $381.0B 1.31% 60.76% 16.33%
State Street Bank and Trust Company MA $360.7B 0.83% 68.78% 16.27%
TD Bank, National Association DE $346.2B 0.54% 67.60% 18.11%
Morgan Stanley Private Bank, National Association NY $254.7B 1.10% 23.14% 26.06%
Charles Schwab Bank, SSB TX $253.8B 0.94% 21.49% 35.93%
Morgan Stanley Bank, National Association UT $253.3B 1.86% 19.99% 20.29%
BMO Bank National Association IL $252.1B 0.95% 53.85% 14.74%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($381.0B here), outside New York so the neighborhood is not state containment.

State Street Bank and Trust Company $360.7B · MA TD Bank $346.2B · DE Charles Schwab Bank, SSB $253.8B · TX Morgan Stanley Bank $253.3B · UT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bank of New York Mellon (FDIC Cert #639) - 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.

The Bank of New York Mellon Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
Goldman Sachs Bank USANew York $645.0B A 1.42%
Morgan Stanley Private Bank, National AssociationPurchase $254.7B A 1.10%
Manufacturers and Traders Trust CompanyBuffalo $212.9B A 1.40%
Flagstar Bank, National AssociationHicksville $87.5B D -0.14%
Bank of ChinaNew York $61.9B F 0.00%
Deutsche Bank Trust Company AmericasNew York $43.0B A 1.86%
State Bank of IndiaNew York $22.6B F 0.00%
Apple BankNew York $19.2B C 0.34%