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The Bank of New York Mellon
New York, NY·FDIC Cert #639·Charter: STATE·Est. 18510101.0·HC: BANK OF NY MELLON CORP THE
Total Assets
$381.0B
Q4 2025
Return on Assets
1.31%
+0.04%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.76%
Peer avg: 51.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
70
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.31%+0.04
ROE
16.35%+0.59
Efficiency
60.76%-0.55
Equity/Assets
0.00%+0.00
NPL Ratio
0.32%-0.07
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
12.18%+0.42
Charge-offs
0.04%-0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.9 | 1.0 | 1.0 | 1.3 | 1.3 | 1.3 | 1.3 |
| ROE | 9.6 | 11.6 | 12.3 | 12.5 | 15.1 | 15.5 | 15.8 | 16.4 |
| Efficiency | 71.3 | 68.1 | 66.8 | 66.5 | 62.6 | 61.5 | 61.3 | 60.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.6 | 0.5 | 0.5 | 0.6 | 0.8 | 0.4 | 0.3 |
| Charge-offs | 0.0 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.0 |
| Loan/Deposit | 12.8 | 11.9 | 12.0 | 12.6 | 11.5 | 10.1 | 11.8 | 12.2 |
Balance Sheet
Total Assets$381.0B
Total Deposits$332.4B
Total Loans$40.5B
Total Equity$29.8B
Profitability
ROA1.31%
ROE16.35%
Efficiency Ratio60.76%
Net Income$4.8B
Risk & Asset Quality
NPL Ratio0.32%
Charge-off Rate0.04%
Loan/Deposit12.18%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans