Total Assets
$381.0B
Total balance-sheet footings
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.
- $381.0B
- Total assets
- A
- Health grade · Excellent
- 1.31%
- Return on assets
- 16.3%
- Tier 1 capital
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
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
Balance sheet at a glance
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
Safety metrics
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
16.33%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
0.44%
Equity Capital
Tangible book value as a capital buffer
$29.8B
Profitability metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1% · 64.6th pct nationally
1.31%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
16.35%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
60.76%
What the numbers say about The Bank of New York Mellon
The Bank of New York Mellon is an FDIC-insured institution (Certificate #639) headquartered in New York, New York, established in 1851. It holds $381.0B in total assets - 10th of 4,313 FDIC-insured banks, $332.4B in customer deposits, and $40.5B in net loans. On safety, its Tier 1 capital ratio of 16.33% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.44% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (88/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Income & expense breakdown
$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.
Top banks in New York by total assets
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.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The Bank of New York Mellon's health grade?▼
The Bank of New York Mellon receives a health grade of A (88/100) 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 The Bank of New York Mellon?▼
The Bank of New York Mellon holds $381.0B in total assets and $332.4B in deposits, ranking 10th of 4,313 FDIC-insured banks by asset size. It is headquartered in New York, New York.
Is my money safe at The Bank of New York Mellon?▼
Yes. The Bank of New York Mellon is FDIC-insured (Certificate #639). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is The Bank of New York Mellon's Tier 1 Capital Ratio?▼
The Bank of New York Mellon has a Tier 1 Capital Ratio of 16.33%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Bank of New York Mellon?▼
The Bank of New York Mellon has a Texas Ratio of 0.44%. 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 The Bank of New York Mellon?▼
The Bank of New York Mellon has an Efficiency Ratio of 60.76%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Bank of New York Mellon's profile as a depositor or analyst.
- The Bank of New York Mellon's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Deposits are FDIC-insured to $250,000 per depositor, per category, confirm your coverage if balances are large. FDIC insurance explained
- Compare The Bank of New York Mellon against other New York banks before moving funds. New York 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.
Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC BankFind Suite, Call Report FFIEC 031/041). See our methodology for the full ETL pipeline, source vintage, and column lineage.
Disclaimer: Provided for informational purposes only; not professional advice. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.