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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

BNY Mellon National Association

Pittsburgh, Pennsylvania · $30.62B in assets · beside the 7 other Pennsylvania banks over $10B

The filing

71.4%
Loans / deposits
1st of 8
0.06%
NPA / loans
1st of 8
4.2%
CRE / loans
1st of 8

BNY Mellon National Association is the third largest of the 8 Pennsylvania banks over $10B, with $30.62B in assets at 30 June 2026. Loans are 71.4% of deposits, the lowest in the cohort against a median of 90.5%, and equity is 11.6% of assets, 4th of 8. Loans grew -1.2% in the year, the slowest in the cohort, and deposits grew 4.9%; the cohort's median loan growth is +4.5%.

Noncurrent loans are 0.06% of the book, the lowest in the cohort against a median of 0.54%; 0.33% is 30 to 89 days past due, and the allowance covers them 1.9 times. Commercial real estate is 4.2% of loans, the lowest in the cohort against a median of 24.6%, and 37% of capital, below the 300% screen, with construction at 1% against the 100% screen.

Return on assets is 0.88%, 6th of 8 against a median of 1.18%, on an efficiency ratio of 71.5%, 7th of 8. Five years ago it was 1.17%. 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, share of loansPA banks over $10B · 30 June 2026 · lower is stronger, listed first
median 24.6% BM BNY Mellon National Association 4.2% NB Northwest Bank 14.8% TC Tristate Capital Bank 16.8% FN First National Bank of Pennsylvania 24.2% DB Dollar Bank FSB 25.0% CB Customers Bank 25.3% FB Fulton Bank National Association 26.8% FC First Commonwealth Bank 29.7%
Loans, year over yearPA banks over $10B · 30 June 2026 · no better direction, largest first
median +4.5% TC Tristate Capital Bank +23.5% CB Customers Bank +16.9% NB Northwest Bank +16.6% DB Dollar Bank FSB +5.8% FN First National Bank of Pennsylvania +3.1% FB Fulton Bank National Association +1.5% FC First Commonwealth Bank -1.1% BM BNY Mellon National Association -1.2%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
BNY Mellon National AssociationRankCohort median
Total CRE against capital, the 300% screen37%1st of 8172%
Construction against capital, the 100% screen1%1st of 818%
Construction and land development, share of loans0.2%1st of 82.4%
Non-owner-occupied nonfarm nonresidential, share of loans3.4%1st of 812.6%
Total CRE, the guidance definition, share of loans4.2%1st of 824.6%
CRE growth over 36 months, the third prong+12.1%4th of 8+13.4%
Commercial real estate against capital, the 300% screenPA banks over $10B · 30 June 2026 · lower is stronger, listed first
median 172% BM BNY Mellon National Association 37% NB Northwest Bank 109% FN First National Bank of Pennsylvania 165% DB Dollar Bank FSB 168% TC Tristate Capital Bank 176% CB Customers Bank 179% FB Fulton Bank National Association 184% FC First Commonwealth Bank 205%
CRE growth over 36 months, the guidance's third prongPA banks over $10B · 30 June 2026 · lower is stronger, listed first
median +13.4% NB Northwest Bank -4.2% FC First Commonwealth Bank -2.5% FN First National Bank of Pennsylvania +4.0% BM BNY Mellon National Association +12.1% TC Tristate Capital Bank +14.7% FB Fulton Bank National Association +20.5% CB Customers Bank +32.5% DB Dollar Bank FSB +42.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First National Bank of Pennsylvania$50.80B1.2%53.2%0.38%0.19%1.2%92.2%13.4%
Fulton Bank National Association$32.56B1.3%58.9%0.71%0.30%1.5%89.0%11.0%
BNY Mellon National Association$30.62B0.9%71.5%0.06%0.00%0.1%71.4%11.6%
Customers Bank$26.50B1.2%48.9%0.33%0.31%0.9%82.4%8.8%
Tristate Capital Bank$24.26B0.7%47.8%0.30%0.13%0.3%87.3%7.0%
Northwest Bank$17.21B1.3%56.6%0.69%0.15%1.1%92.1%11.6%
Dollar Bank FSB$12.70B0.6%72.8%0.72%0.08%1.0%99.0%10.3%
First Commonwealth Bank$12.18B1.4%53.6%0.89%0.41%1.3%92.0%12.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
BNY Mellon National AssociationCohort median
20212026Change20212026Change
Loans$17.74B$18.58B+5%$13.64B$18.30B+34%
Deposits$24.03B$26.02B+8%$13.19B$22.10B+68%
NPA / loans0.14%0.06%-0.08 pts0.61%0.54%-0.07 pts
Efficiency56.2%71.5%+15.3 pts56.9%55.1%-1.8 pts
ROA1.17%0.88%-0.28 pts1.10%1.18%+0.07 pts

This read was prepared for BNY Mellon National Association'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 BNY Mellon National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks over $10B
Institution www.bny.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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