FDIC Cert #23472 · Los Angeles, California · Est. 1981

The Bank of New York Mellon Trust Company, National Association - FDIC Bank Health Profile

A community-scale look at The Bank of New York Mellon Trust Company, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.4B
Total assets
A
Health grade · Excellent
16.82%
Return on assets
285.0%
Tier 1 capital

Data updated July 2026

The verdict

The Bank of New York Mellon Trust Company, National Association earns a PlainBankData health grade of A (100/100), with well-capitalized at 285.04% Tier 1, profitable at 16.82% ROA, efficient (38% cost ratio).

#818
largest of 4,313 FDIC banks by assets
81st
percentile by asset size, nationally
285.04%
Tier 1 ratio - above the 10% well-capitalized line
100th
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 23472 · CA A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-RICH

  • GRADE-A A (100/100)
  • TOP-DECILE #35/4307
  • PHOTO-FINISH Community Bank of El… · MO
  • TIER1-WELL 285.0% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 16.82% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-RICH 8/9 fields

Nearest health peer outside California: Community Bank of El Dorado Springs, MO (±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 Trust Com…

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

Commerce Bank · TX · near100/100Community Bank of El… · MO ·…100/100Morgan Stanley Bank,… · UT ·…100/100Siouxland Bank · NE · near100/100The Bank of New York… · CA ·…100/100Twin River Bank · ID · near100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Bank of New York Mellon Trust Com… · July 2026

Call Report read for The Bank of New York Mellon Trust Com… in a high-failure state

The Bank of New York Mellon Trust Company, National Association (FDIC Cert #23472) carries a PlainBankData health grade of A at 100/100, 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 #35 of 4,307. Tier 1 capital prints at 285.04%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 16.82%. Balance-sheet scale is $1.4B, 818th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Community Bank of El Dorado Springs (MO), 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 Trust Com…

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

The Bank of New York Mellon Trust Company, National Association sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about The Bank of New York Mellon Trust Company, National Association's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

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

How The Bank of New York Mellon Trust Company, National Association'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.

0/100100/100National avg77/100100/100
The Bank of New York Mellon Trust Company, National Association's composite health score
Tier 1 Capital Ratio (285.04%) 40/40
Return on Assets (ROA) (16.82%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (37.87%) 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 Assets

$1.4B

Total balance-sheet footings

Total Deposits

$1M

Customer-funded liabilities

Net Loans

-

Outstanding loan book

Net Income

$224M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 50% 100% 150% 200% 250% 300% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 283.64% 285.04% 286.44%
Basel III capital ratios - The Bank of New York Mellon Trust Company, National Association

Where The Bank of New York Mellon Trust Company, National Association ranks

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

The Bank of New York Mellon Trust Company, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 1% higher than 99% 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%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. The Bank of New York Mellon Trust Com… 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 Trust Company, 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). The Bank of New York Mellon Trust Company, National Association's $1.4B falls in the highlighted band.

Capital & credit buffers at The Bank of New York Mellon Trust Com…

Tier 1 capital ratio
Well-capitalized 10%

285.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
285.04%
Texas Ratio
0.00%
Equity Capital
$1.1B

What these ratios mean →

Earnings posture at The Bank of New York Mellon Trust Com…

Return on Assets (ROA)
100th percentile nationally
16.82%
Return on Equity (ROE)
21.01%
Efficiency Ratio
37.87%

What these mean →

Income & expense at The Bank of New York Mellon Trust Com…

$14M
Interest Income
$460M
Non-Interest Income
$180M
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 Trust Company, National Association reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - 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 Trust Company, National Association on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.4B here), outside California so the neighborhood is not state containment.

The City National Bank of Sulphur Spr… $1.4B · TX 1st Financial Bank USA $1.4B · SD Texas Security Bank $1.3B · TX First National Bank of Tennessee $1.4B · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bank of New York Mellon Trust Company, National Association (FDIC Cert #23472) - 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 Trust Company, National Association Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%