Bank of New York Mellon
New York, New York · $425.12B in assets · beside the 11 other New York banks over $10B
The filing
Bank of New York Mellon is the second largest of the 12 New York banks nearest its size over $10B, with $425.12B in assets at 30 June 2026. Loans are 12.5% of deposits, the lowest in the cohort against a median of 79.5%, and equity is 6.9% of assets, 7th of 8. Loans grew +31.6% in the year, 2nd of 12, and deposits grew 7.0%; the cohort's median loan growth is +8.6%.
Noncurrent loans are 0.04% of the book, 2nd of 12 against a median of 0.56%; 0.04% is 30 to 89 days past due, and the allowance covers them 10.0 times. Commercial real estate is 10.3% of loans, 6th of 12 against a median of 10.6%, and 21% of capital, below the 300% screen, with construction at 6% against the 100% screen.
Return on assets is 1.56%, the highest in the cohort against a median of 1.13%, on an efficiency ratio of 57.6%, 4th of 8. Five years ago it was 0.65%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.
Commercial real estate against capital
| Bank of | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 21% | 1st of 8 | 72% |
| Construction against capital, the 100% screen | 6% | 4th of 8 | 6% |
| Construction and land development, share of loans | 3.0% | 9th of 12 | 2.0% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 4.0% | 3rd of 8 | 8.4% |
| Total CRE, the guidance definition, share of loans | 10.3% | 6th of 12 | 10.6% |
| CRE growth over 36 months, the third prong | +2.6% | 5th of 11 | +4.6% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $758.79B | 1.1% | 38.5% | 1.04% | 0.26% | 0.6% | 49.9% | 7.9% | |
| $425.12B | 1.6% | 57.6% | 0.04% | -0.05% | 0.4% | 12.5% | 6.9% | |
| $250.43B | 1.1% | 25.0% | 0.20% | 0.01% | 0.2% | 88.5% | 6.8% | |
| $218.79B | 1.4% | 53.9% | 1.35% | 0.26% | 1.5% | 83.2% | 12.9% | |
| $87.71B | 0.1% | 89.9% | 4.97% | 0.58% | 1.4% | 90.6% | 9.3% | |
| $69.15B | no record | no record | 0.60% | no record | no record | 52.6% | no record | |
| $58.37B | no record | no record | 0.51% | no record | no record | 201.3% | no record | |
| $48.52B | no record | no record | 1.63% | no record | no record | 71.1% | no record | |
| $40.53B | 1.0% | 63.7% | 0.92% | 0.00% | 0.2% | 55.1% | 24.5% | |
| $22.51B | no record | no record | 0.00% | no record | no record | 107.5% | no record | |
| $19.89B | 0.4% | 80.2% | 0.44% | 0.04% | 0.4% | 85.6% | 8.1% | |
| $17.45B | 1.2% | 58.0% | 0.50% | 0.11% | 0.8% | 75.9% | 9.6% |
| Bank of | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $29.52B | $46.66B | +58% | $14.32B | $34.52B | +141% |
| Deposits | $338.68B | $372.56B | +10% | $32.20B | $42.48B | +32% |
| NPA / loans | 0.22% | 0.04% | -0.17 pts | 0.45% | 0.56% | +0.11 pts |
| Efficiency | 75.5% | 57.6% | -17.9 pts | 58.7% | 57.8% | -0.9 pts |
| ROA | 0.65% | 1.56% | +0.91 pts | 1.04% | 1.13% | +0.09 pts |
This read was prepared for Bank of New York Mellon's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Bank of New York Mellon is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort NY banks over $10B
Institution www.bny.com
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