TellerScore

The Bank of New York Mellon is a state-chartered bank (fed member) headquartered in New York, New York, in business for about 175 years. At the end of Q2 2026 it reported $425.1B in total assets and $372.6B in deposits, with 26 offices across 2 states.

Based on its Q2 2026 filing, The Bank of New York Mellon scores 61/100, which we describe as moderate. That is higher than only 45% of 32 banks with over $100 billion. Among 121 banks headquartered in New York, it ranks 71st. Its strongest component is problem-loan coverage (100/100; 0.1%), and its lowest is capital cushion (12/100; 6.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion12/100
Tier 1 leverage ratio: 6.20%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings74/100
Return on assets (annualized): 1.36%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 12.5% · 68.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.07%

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

From Q2 2025 to Q2 2026, the score rose 5 points (56 → 61), mostly because the loan quality component improved by 25 points.

TellerScore
535761Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202455
Q4 202455
Q1 202558
Q2 202556
Q3 202558
Q4 202559
Q1 202659
Q2 202661
Tier 1 leverage ratio
5.00%5.98%6.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20246.41%
Q3 20246.65%
Q4 20246.31%
Q1 20256.96%
Q2 20256.88%
Q3 20256.49%
Q4 20256.46%
Q1 20266.12%
Q2 20266.20%
Noncurrent loans
0.04%0.41%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.58%
Q3 20240.55%
Q4 20240.45%
Q1 20250.57%
Q2 20250.78%
Q3 20250.39%
Q4 20250.32%
Q1 20260.09%
Q2 20260.04%
Return on assets
0.92%1.14%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.92%
Q3 20240.98%
Q4 20241.01%
Q1 20251.26%
Q2 20251.26%
Q3 20251.27%
Q4 20251.31%
Q1 20261.29%
Q2 20261.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$425.1B6.20%0.04%1.36%12.5%
Q1 202659$467.3B6.12%0.09%1.29%14.4%
Q4 202559$381.0B6.46%0.32%1.31%12.2%
Q3 202558$366.5B6.49%0.39%1.27%11.8%
Q2 202556$398.3B6.88%0.78%1.26%10.1%
Q1 202558$356.3B6.96%0.57%1.26%11.5%
Q4 202455$336.0B6.31%0.45%1.01%12.6%
Q3 202455$348.1B6.65%0.55%0.98%12.0%
Q2 202453$351.8B6.41%0.58%0.92%11.9%

32 peers · Over $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 ratio6.20%
3rd
Total risk-based capital14.76%
55th
Problem loans0.04%
97th
Net charge-offs-0.05%
100th
Return on assets1.36%
71st
Net interest margin1.47%
3rd
Efficiency ratio57.5%
39th
Loans to deposits12.5%
100th
Uninsured deposits68.2%
3rd
Loan-loss reserves0.43%
16th
Texas ratio0.1%
100th

Similar-size banks in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Morgan Stanley Private Bank, National AssociationBank Purchase, NY61 out of 100, Moderate$250.4B6.7%0.20%vs
Manufacturers and Traders Trust CompanyBank Buffalo, NY57 out of 100, Moderate$218.8B9.5%1.35%vs
Goldman Sachs Bank USABank New York, NY58 out of 100, Moderate$758.8B7.7%1.04%vs

Deposit insurance

Is my money safe at The Bank of New York Mellon?

Yes. The Bank of New York Mellon is an FDIC-insured institution (FDIC certificate #639). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 68.2% of deposits ($254.0B) are above the $250,000 FDIC insurance limit, above the peer median of 43%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 6.20%, slightly above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.76% (benchmark: 10%).

Check how much of your own balance is covered

26 locations

Branches

The Bank of New York Mellon lists 15 offices in 12 cities across 2 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 442 consumer complaints about BANK OF NEW YORK MELLON CORPORATION, THE to the company (121 in the last 12 months). 93.9% received a timely response. That is 1.2 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

Identity & history

Profile

Legal name
The Bank of New York Mellon
Former names
Irving Trust Company; The Bank of New York
Type
State-chartered bank (Fed member)
FDIC certificate #
639
RSSD ID
541101
Primary regulator
FED
Holding company
Bank of NY Mellon Corp the
Established
January 1, 1851
Headquarters
240 E Greenwich St, New York, NY 10007
Employees
38,935

Quick answers

The Bank of New York Mellon: common questions

Is The Bank of New York Mellon FDIC insured?

Yes. The Bank of New York Mellon is an FDIC-insured institution (FDIC certificate #639). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Bank of New York Mellon's TellerScore?

61 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 The Bank of New York Mellon ever failed?

There is no failure record for FDIC certificate #639 in the FDIC failed bank list.

How many branches does The Bank of New York Mellon have?

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

Nearby

Highest-scoring banks and credit unions with branches near New York

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs