# BANK OF NEW YORK MELLON
NEW YORK, NY · FDIC certificate 639 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $425.12B | |
| Deposits | $372.56B | |
| Loans and leases | $46.66B | |
| Total equity | $29.44B | |
| Loans / deposits | 12.47% (p3 of band) | 72.53% |
| Liquid assets / assets | 78.91% (p100 of band) | |
| Uninsured deposits / deposits | 68.19% (p97 of band) | 42.66% |
| Brokered deposits | 3.08% | |
| Wholesale funding | 5.94% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.20% (p6 of band) | 9.44% |
| Unrealized securities loss / equity | -12.35% (p44 of band) | -9.97% |
| AOCI / equity | -1.24% (p22 of band) | |
| ROA (annualized) | 1.36% (p72 of band) | 1.18% |
| Net interest margin | 1.47% (p6 of band) | 3.14% |
| Efficiency ratio | 57.49% (p62 of band) | |
| Noncurrent loans | 0.04% (p6 of band) | 0.85% |
| Net charge-offs (annualized) | -0.01% (p6 of band) | |
| Reserve coverage of noncurrent | 1000.00% | |
| Real estate % of loans | 15% | |
| Construction % of loans | 4.70% (p44 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $8.47B (29% of equity) (p25 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 38935 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **leverage <7%** (`cap_low`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, expense ratio p90, NIM <2.5% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 3 |  | capital falling |
| 2012-03 | 2 |  | expense ratio p90 |
| 2012-06 | 3 | expense ratio p90 |  |
| 2012-09 | 4 | capital falling |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 5 | losing money |  |
| 2013-06 | 4 |  | capital falling |
| 2013-09 | 2 |  | expense ratio p90, losing money |
| 2013-12 | 2 |  |  |
| 2014-03 | 4 | expense ratio p90, reserve under noncurrent |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 | uninsured deposits >50% | expense ratio p90 |
| 2014-12 | 4 | expense ratio p90 | reserve under noncurrent |
| 2015-03 | 4 |  |  |
| 2015-06 | 3 |  | expense ratio p90 |
| 2015-09 | 2 |  | uninsured deposits >50% |
| 2015-12 | 3 | reserve under noncurrent |  |
| 2016-03 | 5 | deposits shrinking, assets shrinking |  |
| 2016-06 | 6 | uninsured deposits >50% |  |
| 2016-09 | 3 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2016-12 | 3 | deposits shrinking, assets shrinking | leverage <7%, uninsured deposits >50% |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 | expense ratio p90 | deposits shrinking, assets shrinking |
| 2018-03 | 2 | capital falling | expense ratio p90 |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | uninsured deposits >50% |  |
| 2019-03 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking | uninsured deposits >50% |
| 2019-06 | 2 |  | deposits shrinking, assets shrinking |
| 2019-09 | 3 | uninsured deposits >50%, capital falling | reserve under noncurrent |
| 2019-12 | 4 | leverage <7% |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 3 |  | capital falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | capital falling, expense ratio p90 |  |
| 2021-06 | 4 |  | capital falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 6 | capital falling, deposits shrinking, assets shrinking | expense ratio p90 |
| 2022-03 | 5 | expense ratio p90 | deposits shrinking, assets shrinking |
| 2022-06 | 7 | securities losses >30% of equity, assets shrinking |  |
| 2022-09 | 7 | deposits shrinking | capital falling |
| 2022-12 | 7 |  |  |
| 2023-03 | 6 |  | expense ratio p90 |
| 2023-06 | 5 |  | assets shrinking |
| 2023-09 | 5 |  |  |
| 2023-12 | 4 |  | deposits shrinking |
| 2024-03 | 4 |  |  |
| 2024-06 | 5 | capital falling |  |
| 2024-09 | 3 |  | securities losses >30% of equity, capital falling |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | reserve under noncurrent |  |
| 2025-09 | 4 | capital falling | reserve under noncurrent |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 3 |  | capital falling |

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

- 2026-09-09 [symbol__ Stock Quote Price and Forecast - CNN](https://news.google.com/rss/articles/CBMiT0FVX3lxTFBnWVdqMEMzZ0Y5QlNEeTNtVS1qbWpwdUhhTmcyUWEyUXFRZkhJZVlHM0FlQkVrY2haUUZRMFJjcFUzb3dlZFRRek15alNudFU?oc=5) · CNN
- 2026-08-26 [BNY Mellon Announces Major Expansion in Orlando’s Lake Mary - Orlando Economic Partnership](https://news.google.com/rss/articles/CBMikgFBVV95cUxPa3FxblZNd0daU0xGUmVXcDNoYjduN01PZm9sYVlRZDVaeXhwNmtRclA0Y09XR1NSX3huRXFNRUJHTVJsWk1DVHM3OEhYcmJBdnlwMVJpdlN1WExJREJ2QzhhcUhFNjdTUXZOOXEyZUU5SkFlQk5CVDF5a19fQ2NZVmk2dV9UQkVWRnJiSW9hZW1NZw?oc=5) · Orlando Economic Partnership
- 2026-08-17 [Bank Of New York Mellon Hits Record High, Among Group Of 16 New To Best Stock Lists - Investor's Business Daily](https://news.google.com/rss/articles/CBMiugFBVV95cUxPeVk3dWw5RGNCSUQyaUJZQ3BhMEhha2RCc0lWVlVxR19vdmxCejJPRVFtQlQyUmpDdDc4X2tfb2ZwdzVXTkJLb1EyYjBvdktDbXMweWdxOE1MS0NZWGxiZUhqUmN4SHdEWHVQS0JqRXNWMGluUlZpc3NSOWFmU1pnQVM2VnA1X3N6SUcwOUtHUUZ2NS1SZ2dYYVRsRFU0Y1o1SVY0dGpsU3N2R1BMRVV0QngxOEJvME14R0E?oc=5) · Investor's Business Daily
- 2026-09-07 [Bank of New York Mellon Corp Takes $2.81 Million Position in Nano Nuclear Energy Inc. $NNE - MarketBeat](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNLVhzSm5DS1JRckd0clNQYlJmZWRLTnRzOU93MjNhQ0ZNRmNJTkgwSW40QWdUbk13MWZXNkh3VUZPeExxOEdoNEIyWHF4NTZiSElBcUUzU1BjMnJPTzlVS0o0Q2dsYlg1aTE4YVNVc2wxZ2dWV0JkYUFfbmZhZXg1T2VxTW5HZnpyZDB2TEZzTVdWeFJSRFBjYkNQbFJBQy1Ec0JGV0diN0N0VWdrRGdjeldoVUpOZzdEVzg3aDA4cjAtSjFfclk4a25wTmpnMk9jbHZJU09yN3JacmJxSmRORQ?oc=5) · MarketBeat
- 2026-05-25 [Who Owns Bank of New York Mellon? - The Motley Fool](https://news.google.com/rss/articles/CBMijgFBVV95cUxPRERzRU9Wb2JnM25lTllsRmdHS280UFBNQkxGMkZFRkpiVjA1NVFfVkhIM0JTOGdHUko1YTdPZEh6R1pSQk16blp5UDR6c09GVUowVlVORWdwMmFxRXFRdWpjRFF1bkxxVjFuVk5fYUpJMjljcVA2X3VMYVFsZXI1YVphcUFqZGFwVl95LWhB?oc=5) · The Motley Fool
- 2026-06-23 [Bank Of New York Mellon (BNY): 10 Most Profitable Undervalued Stocks to Invest In - Yahoo Finance](https://news.google.com/rss/articles/CBMikgFBVV95cUxOVld6Z0hWQnBJQV9JVGlkOXBLUkNUV1F5cHBlS2pySGk0cjZ1cVJaRldEZ1MyY29KVzk5a3YtdlRyQnRmTTI3ZVdSRk9neU94UmZvQVhKZko5V3NpazEwdnl6VWRWc2tYQVNyU1FQWl96ejAzN2pGWlcyQ0kxcTVkc3VpUW9oY3BEbFVidHF6cGVLQQ?oc=5) · Yahoo Finance
- 2026-05-11 [BNY Announces Planned Change of Stock Ticker Symbol to "BNY" - PR Newswire](https://news.google.com/rss/articles/CBMitAFBVV95cUxQaThuNUh4TmduWUVQdVJQaTZSWTc4dTBVNDgzMXhiME95SEdBdmNsRi02VzlvRHJBdU5nMVpuWEFMSHUyOG9mcGlUekh2OFZZeXdxVWQ0TGkwYi01eHM2S2thRUY1ekQ2OVVXYUFrQmNwejhaZTJ4Wm5oVGFDUWdZeV9NRzJrQWJBOWpqNEhJV3VXMDFVTWFVeVhUVkQzcGEyRzlQSHBZZTdsdjFyZDZMdll2VjA?oc=5) · PR Newswire
- 2026-04-07 [Exclusive | BNY, Robinhood Win Contract for Running Trump Accounts - wsj.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxORUpuSTB4d0tXd1VPQUsxaW1QUHllZWJXR1dYM0ZDTlNWbXlqZ1JpSVdMbEwzUENiSDhFaUhIZ2Y2Z0UzSU82QTd0UW02WE91dVVqMk8yZE15bXlmc25tck4wUjZtb0k1YVJtNFVrMU9pbFdFc04zZ0lkUDEzSER1aWhtS21YcWl3UEF3LWNheVdYZURqZWNDbXlUck9uV2VBSjVZbkYwRWpzaTZXQjRsRVVrUQ?oc=5) · wsj.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=639 (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/63.json (key "639", 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