# BNY MELLON TRUST OF DELAWARE
WILMINGTON, DE · FDIC certificate 24867 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $254.9M | |
| Deposits | $150.5M | |
| Loans and leases | $6.6M | |
| Total equity | $101.7M | |
| Loans / deposits | 4.35% (p4 of band) | 73.59% |
| Liquid assets / assets | 68.80% (p93 of band) | |
| Uninsured deposits / deposits | 97.35% (p100 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 29.59% (p95 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.25% (p92 of band) | |
| ROA (annualized) | 5.82% (p97 of band) | 1.17% |
| Net interest margin | 3.40% (p25 of band) | 3.93% |
| Efficiency ratio | 22.80% (p1 of band) | |
| Noncurrent loans | 2.48% (p89 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 9.20% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -35.1% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | noncurrent p90 |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2012-06 | 5 | noncurrent p90 |  |
| 2012-09 | 7 | loans exceed deposits, liquid assets <10% |  |
| 2012-12 | 6 |  | NIM <2.5% |
| 2013-03 | 8 | uninsured deposits >50%, run vulnerability |  |
| 2013-06 | 7 |  | noncurrent p90 |
| 2013-09 | 6 |  | deposits shrinking |
| 2013-12 | 5 |  | assets shrinking |
| 2014-03 | 9 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 5 |  | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 5 | noncurrent p90 | liquid assets <10% |
| 2014-12 | 6 | capital falling |  |
| 2015-03 | 4 |  | loans exceed deposits, run vulnerability |
| 2015-06 | 4 |  |  |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 4 | NIM <2.5% |  |
| 2016-03 | 7 | capital falling, deposits shrinking, assets shrinking |  |
| 2016-06 | 6 |  | deposits shrinking |
| 2016-09 | 7 | deposits shrinking, uninsured deposits leaving | capital falling |
| 2016-12 | 6 |  | uninsured deposits leaving |
| 2017-03 | 5 |  | deposits shrinking |
| 2017-06 | 8 | capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2017-09 | 7 |  | capital falling |
| 2017-12 | 7 |  |  |
| 2018-03 | 7 | loans exceed deposits | NIM <2.5% |
| 2018-06 | 7 |  |  |
| 2018-09 | 4 |  | assets shrinking, uninsured deposits leaving, loans exceed deposits |
| 2018-12 | 3 |  | deposits shrinking |
| 2019-03 | 4 | capital falling |  |
| 2019-06 | 3 |  | capital falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | NIM <2.5% |  |
| 2020-03 | 5 | capital falling |  |
| 2020-06 | 5 |  |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 4 |  | capital falling |
| 2021-06 | 6 | deposits shrinking, assets shrinking |  |
| 2021-09 | 5 |  | assets shrinking |
| 2021-12 | 5 | capital falling | deposits shrinking |
| 2022-03 | 5 |  |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 4 |  | capital falling |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | deposits shrinking | NIM <2.5% |
| 2023-06 | 3 |  | deposits shrinking |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | capital falling |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | capital falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | capital falling |  |
| 2025-06 | 3 |  | capital falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | deposits shrinking |  |
| 2026-03 | 3 | capital falling | noncurrent p90, deposits shrinking |
| 2026-06 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-07-07 [Summary Of Global Executive Moves In Global Wealth Management - May 2020 - Family Wealth Report](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQZ0hpak8xUVN1M2NMWGpwTkkxRGlsU0I1NkpySTgtWFN5ajh1cC1fcllHd2t4bGhXdWpwQlU4alZHaW9VX3pSejVSZDU4SXlGemt3dWg3SXIwTDViTzZvQTNROWZWeDJIclZ6Nmk4T2FmcU1FQ1NTMVRIOFdnUmpBM1QxS1J4cFRCMXRtWHFpeHNhOEVKLUZqalMzOE5MOWxodmFud1cybTZkQVVXdFpaVDNzTFFkY1pYM0JzSG5NWXViZw?oc=5) · Family Wealth Report

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24867 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "24867", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide