The Bank of New York Mellon
New York, New York, New York County
$425B in total assets, the 10th largest of 4,309 US banks and 2nd of 126 headquartered in New York.
- FDIC certificate
- 639
- Established
- 1851
- Owned by
- Bank Of Ny Mellon Corp The
- Primary regulator
- FED
- Website
- www.bny.com
At a glance
Compared with 31 US banks with over $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $425B | 71% | $251B | |
| Loans | $46.7B | 6% | $149B | |
| Deposits | $373B | 71% | $212B | |
| Return on assets | 1.33% | 68% | 1.20% | |
| Net interest margin | 1.47% | 3% | 3.14% | |
| Efficiency ratio | 57.5% | 61% | 54.8% | |
| Equity to assets | 6.93% | 10% | 9.76% | |
| Loans to deposits | 13% | 2% | 74% |
Growth
Total assets grew 2.0% a year over the last 5 years and 3.6% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2008 | Mellon Trust of New England, National Association Boston, MA, an affiliate under the same holding company | $11.9B |
| Jul 2008 | BNY MELLON INTERIM INSTITUTIONAL NATIONAL BANK Pittsburgh, PA | n/a |
| Jul 2008 | (unknown, CERT 26378) , NY | $2M |
| Dec 1996 | The Bank of New York West Paterson, NJ | $4.4B |
| Dec 1996 | The Putnam Trust Company Greenwich, CT | $716M |
| Jun 1992 | American Savings Bank White Plains, NY | $3.2B |
| Jun 1992 | Riverhead Savings Bank Riverhead, NY | $389M |
| Jul 1991 | Ensign Federal Savings Bank New York City, NY | $975M |
| Oct 1989 | The Bank of New York New York City, NY | $27.7B |
| Sep 1989 | Bank of Long Island Babylon, NY | $299M |
| Sep 1989 | Scarsdale National Bank and Trust Company Scarsdale, NY | $473M |
| Aug 1989 | Nanuet National Bank Nanuet, NY | $394M |
| Aug 1989 | Dutchess Bank and Trust Company Poughkeepsie, NY | $285M |
| Feb 1987 | Long Island Trust Company, National Association Garden City, NY | $1.8B |
| Sep 1980 | Empire National Bank Middletown, NY | n/a |
| Jan 1976 | The County Trust Company White Plains, NY | n/a |
| Jan 1976 | Bank of Buffalo Buffalo, NY | n/a |
| Jan 1976 | The Bank of New York, Albany Albany, NY | n/a |
| Jan 1976 | Metropolitan Bank of Syracuse Syracuse, NY | n/a |
| Jan 1976 | The Bank of New York Southern Tier Endicott, NY | n/a |
| Jan 1976 | The Exchange Bank of Olean Olean, NY | n/a |
| Jan 1976 | Valley Bank of New York Valley Stream, NY | n/a |
Where they operate
13 branches in 10 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| New York County, NY | $256B | 13.4% | 3 of 83 |
| San Francisco County, CA | $0K | 0.0% | 42 of 46 |
| District Of Columbia County, DC | $0K | 0.0% | 31 of 34 |
| Suffolk County, MA | $0K | 0.0% | 30 of 36 |
| Hudson County, NJ | $0K | 0.0% | 27 of 29 |
| Nassau County, NY | $0K | 0.0% | 32 of 33 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (10 to 13, +30.0%). 6 opened, 0 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 10 | |||
| 2016 | Closed Boston | 0 | 1 | −1 | 9 |
| 2017 | Closed Radnor | 0 | 1 | −1 | 8 |
| 2018 | Opened New York | 1 | 0 | +1 | 9 |
| 2023 | Opened San FranciscoClosed Pittsburgh | 1 | 1 | 0 | 9 |
| 2024 | Opened 3 in 2 states | 3 | 0 | +3 | 12 |
| 2025 | Opened Houston | 1 | 0 | +1 | 13 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 5% | 19% | |
| Commercial real estate | 4% | 7% | |
| Business (C&I) | 4% | 19% | |
| Multifamily | 3% | 3% | |
| Construction and land | 3% | 2% | |
| Consumer | 0% | 21% | |
| Other | 81% | 30% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 74% | 71% | |
| Noninterest-bearing | 25% | 15% | |
| Time deposits | 1% | 13% |
Brokered deposits are 3.5% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.04% | 0.86% |
| Net charge-offs, annualized | -0.05% | 0.37% |
| Reserves to loans | 0.43% | 1.49% |
| Leverage ratio | 6.20% | 9.49% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in New York
Largest competitors in New York County, NY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/bank-new-york-mellon-new-york-ny