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BNY Mellon, National Association
Pittsburgh, PA·FDIC Cert #7946·Charter: OCC·Est. 18690101.0·HC: BANK OF NY MELLON CORP THE
Total Assets
$31.3B
Q4 2025
Return on Assets
0.94%
+0.03%Peer avg: 1.13%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
66.72%
Peer avg: 52.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.94%+0.03
ROE
8.02%+0.35
Efficiency
66.72%-1.74
Equity/Assets
0.00%+0.00
NPL Ratio
0.05%-0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
70.24%-0.31
Charge-offs
0.00%+0.00
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 | 0.9 | 0.9 | 0.7 | 0.8 | 0.9 | 0.9 |
| ROE | 6.2 | 7.1 | 7.5 | 7.6 | 5.5 | 6.8 | 7.7 | 8.0 |
| Efficiency | 72.9 | 68.6 | 67.1 | 67.4 | 78.2 | 71.7 | 68.5 | 66.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 72.3 | 71.5 | 72.7 | 70.3 | 72.2 | 75.7 | 70.5 | 70.2 |
Balance Sheet
Total Assets$31.3B
Total Deposits$26.7B
Total Loans$18.8B
Total Equity$3.5B
Profitability
ROA0.94%
ROE8.02%
Efficiency Ratio66.72%
Net Income$287.0M
Risk & Asset Quality
NPL Ratio0.05%
Charge-off Rate0.00%
Loan/Deposit70.24%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans