BlastPoint's Banking Scorecard
The Bank of New York Mellon Trust Company, National Association
Community
Specialty: Other
CA
FDIC cert 23472
Los Angeles, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
The Bank of New York Mellon Trust Company, National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 1% in Community
- + Deposit Franchise: Top 26% in Community
- + Efficiency Ratio 24.76% below tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 58% in Community
- - Nonperforming Asset Ratio 1.09% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+3.8% YoY
+1.1% QoQ
|
-$40.0M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? | $0 | -$975.5M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$1.4M
+46.8% YoY
+52.7% QoQ
|
-$1.2B |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
16.82%
-11.4% YoY
+1.7% QoQ
|
+15.66% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
- |
| Net Interest Margin ? |
4.45%
-22.1% YoY
-2.0% QoQ
|
+0.79% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
37.87%
+6.7% YoY
-2.1% QoQ
|
-24.76% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? | - | - |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -83.06% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
100.00%
0% YoY
0% QoQ
|
+78.95% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
1.59%
+70.9% YoY
-5.8% QoQ
|
+1.09% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
285.04%
-9.9% YoY
-3.5% QoQ
|
+274.80% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
34.02%
-9.5% YoY
+33.1% QoQ
|
+33.28% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#5 of 371 · Top 1% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
34.02%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
16.82%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Deposit Franchise
growth
#40 of 150 · Top 26% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
100.00%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.45%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 3%
in Community
Why this stands out
Current:
37.87%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (2)
Margin Compression
decline
#70 of 120 · Bottom 58% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
16.82%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
1.59%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 100.00% · Tier avg: 21.05%
97
97th pctile
Efficiency Ratio
Current: 37.87% · Tier avg: 62.63%
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
9
9th pctile
Nonperforming Asset Ratio
Current: 1.59% · Tier avg: 0.50%
0
0th pctile
Total Loans
Current: $0 · Tier avg: $975.5M
0
0th pctile
Total Deposits
Current: $1.4M · Tier avg: $1.2B
Top Weaknesses
0
0th pctile
Total Deposits
Current: $1.4M · Tier avg: $1.2B
0
0th pctile
Total Loans
Current: $0 · Tier avg: $975.5M
9
9th pctile
Nonperforming Asset Ratio
Current: 1.59% · Tier avg: 0.50%
65
65th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
97
97th pctile
Efficiency Ratio
Current: 37.87% · Tier avg: 62.63%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 100.00% · Tier avg: 21.05%