TellerScore

BNY Mellon, National Association is a national bank headquartered in Pittsburgh, Pennsylvania, in business for about 157 years. At the end of Q2 2026 it reported $30.6B in total assets and $26.0B in deposits, with 31 offices across 2 states.

Based on its Q2 2026 filing, BNY Mellon, National Association scores 57/100, which we describe as moderate. That is higher than only 17% of 132 banks with $10 billion – $100 billion. Among 110 banks headquartered in Pennsylvania, it ranks 87th. Its strongest component is problem-loan coverage (99/100; 0.4%), and its lowest is capital cushion (15/100; 6.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion15/100
Tier 1 leverage ratio: 6.52%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.06%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity46/100
Loans ÷ deposits and uninsured-deposit share: 71.3% · 53.7% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.36%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (58 → 57).

TellerScore
565758Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202457
Q4 202457
Q1 202556
Q2 202558
Q3 202557
Q4 202557
Q1 202656
Q2 202657
Tier 1 leverage ratio
5.00%6.05%7.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20246.86%
Q3 20246.88%
Q4 20246.78%
Q1 20256.80%
Q2 20257.09%
Q3 20256.36%
Q4 20256.24%
Q1 20266.37%
Q2 20266.52%
Noncurrent loans
0.03%0.05%0.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.07%
Q3 20240.07%
Q4 20240.05%
Q1 20250.03%
Q2 20250.03%
Q3 20250.05%
Q4 20250.05%
Q1 20260.06%
Q2 20260.06%
Return on assets
0.66%0.80%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.92%
Q4 20240.92%
Q1 20250.66%
Q2 20250.83%
Q3 20250.91%
Q4 20250.94%
Q1 20260.80%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$30.6B6.52%0.06%0.87%71.3%
Q1 202656$30.9B6.37%0.06%0.80%71.0%
Q4 202557$31.3B6.24%0.05%0.94%70.2%
Q3 202557$31.3B6.36%0.05%0.91%70.5%
Q2 202558$29.6B7.09%0.03%0.83%75.7%
Q1 202556$30.1B6.80%0.03%0.66%72.2%
Q4 202457$30.5B6.78%0.05%0.92%70.3%
Q3 202457$29.9B6.88%0.07%0.92%72.7%
Q2 202457$30.9B6.86%0.07%0.87%71.5%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio6.52%
5th
Total risk-based capital17.86%
87th
Problem loans0.06%
95th
Net charge-offs0.00%
90th
Return on assets0.87%
18th
Net interest margin1.13%
5th
Efficiency ratio71.2%
8th
Loans to deposits71.3%
83rd
Uninsured deposits53.7%
11th
Loan-loss reserves0.11%
6th
Texas ratio0.4%
96th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Fulton Bank, National AssociationBank Lancaster, PA65 out of 100, Moderate$32.6B10.2%0.71%vs
Customers BankBank Malvern, PA65 out of 100, Moderate$26.5B9.3%0.33%vs
TriState Capital BankBank Pittsburgh, PA56 out of 100, Moderate$24.3B7.4%0.30%vs
Northwest BankBank Warren, PA66 out of 100, Moderate$17.2B9.8%0.69%vs
Dollar Bank, Federal Savings BankBank Pittsburgh, PA62 out of 100, Moderate$12.7B11.0%0.72%vs
First Commonwealth BankBank Indiana, PA65 out of 100, Moderate$12.2B10.2%0.89%vs

Deposit insurance

Is my money safe at BNY Mellon, National Association?

Yes. BNY Mellon, National Association is an FDIC-insured institution (FDIC certificate #7946). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 53.7% of deposits ($14.0B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 6.52%, slightly above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.86% (benchmark: 10%).

Check how much of your own balance is covered

31 locations

Branches

BNY Mellon, National Association lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, BNY Mellon, National Association reported 635 home-loan applications under HMDA (LEI 4EP6JBYBTPTQ47LZOB67): 527 originated ($699,465,000 total), 41 denied, and 51 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
BNY Mellon, National Association
Former names
Mellon Bank, National Association; The Mellon National Bank of Pittsburgh; Mellon Bank, N. A.; Mellon National Bank and Trust Company; Mellon National Bank
Type
National bank
FDIC certificate #
7946
RSSD ID
934329
Primary regulator
OCC
Holding company
Bank of NY Mellon Corp the
Established
January 1, 1869
Headquarters
500 Grant St, Pittsburgh, PA 15258
Employees
1,306

Quick answers

BNY Mellon, National Association: common questions

Is BNY Mellon, National Association FDIC insured?

Yes. BNY Mellon, National Association is an FDIC-insured institution (FDIC certificate #7946). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is BNY Mellon, National Association's TellerScore?

57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has BNY Mellon, National Association ever failed?

There is no failure record for FDIC certificate #7946 in the FDIC failed bank list.

How many branches does BNY Mellon, National Association have?

31 offices as of the latest FDIC data, in 2 states.

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