BlastPoint's Banking Scorecard
BNY Mellon Trust of Delaware
Micro
Specialty: Other
DE
FDIC cert 24867
Wilmington, DE
2498
banks in Micro tier nationally
6 in DE
View Micro leaderboard (DE) →
BNY Mellon Trust of Delaware has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 4.29% above tier
- + Efficiency Ratio 44.61% below tier
- + Non-Interest-Bearing Deposit Share 77.58% above tier
- + Non-Interest Income / Assets 6.63% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.94% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$241.9M
-4.0% YoY
+4.2% QoQ
|
+$24.4M |
$217.5M
+2.3% YoY
|
$70.8B
-0.9% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$7.0M
-11.6% YoY
-4.3% QoQ
|
-$132.2M |
$139.2M
+2.8% YoY
|
$38.1B
+1.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$139.7M
-9.3% YoY
+7.5% QoQ
|
-$43.9M |
$183.7M
+1.8% YoY
|
$56.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
5.38%
+18.4% YoY
+2.6% QoQ
|
+4.29% |
1.08%
+14.7% YoY
|
2.49%
+4.3% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
3.47%
-21.4% YoY
-0.2% QoQ
|
-0.39% |
3.85%
+6.6% YoY
|
4.25%
-12.2% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
23.11%
-3.0% YoY
-0.9% QoQ
|
-44.61% |
67.73%
-4.8% YoY
|
56.99%
-1.1% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
2.58%
-21.5% YoY
-0.9% QoQ
|
+1.94% |
0.64%
+24.4% YoY
|
1.71%
-0.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
5.02%
-2.6% YoY
-11.0% QoQ
|
-69.50% |
74.53%
+0.5% YoY
|
76.04%
+10.2% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
99.97%
-0.0% YoY
-0.0% QoQ
|
+77.58% |
22.39%
-1.3% YoY
|
24.33%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-27.8% YoY
-9.1% QoQ
|
-0.38% |
0.45%
+25.1% YoY
|
0.35%
-1.4% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
157.81%
+3.9% YoY
-1.5% QoQ
|
+148.95% |
8.85%
-3.4% YoY
|
13.96%
+2.6% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
7.19%
+59.3% YoY
+28.9% QoQ
|
+6.63% |
0.56%
+0.3% YoY
|
2.13%
+17.1% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
5.38%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
23.11%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
99.97%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
7.19%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.58%
(Tier avg: 0.64%, National avg: 0.66%)
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
Return on Assets
Current: 5.38% · Tier avg: 1.08%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 99.97% · Tier avg: 22.39%
100
100th pctile
Efficiency Ratio
Current: 23.11% · Tier avg: 67.73%
99
99th pctile
Non-Interest Income / Assets
Current: 7.19% · Tier avg: 0.56%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
60
60th pctile
Total Assets
Current: $241.9M · Tier avg: $217.5M
42
42th pctile
Total Deposits
Current: $139.7M · Tier avg: $183.7M
32
32th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.85%
9
9th pctile
Delinquency Rate
Current: 2.58% · Tier avg: 0.64%
2
2th pctile
Total Loans
Current: $7.0M · Tier avg: $139.2M
Top Weaknesses
2
2th pctile
Total Loans
Current: $7.0M · Tier avg: $139.2M
9
9th pctile
Delinquency Rate
Current: 2.58% · Tier avg: 0.64%
32
32th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.85%
42
42th pctile
Total Deposits
Current: $139.7M · Tier avg: $183.7M
60
60th pctile
Total Assets
Current: $241.9M · Tier avg: $217.5M
70
70th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
99
99th pctile
Non-Interest Income / Assets
Current: 7.19% · Tier avg: 0.56%
100
100th pctile
Efficiency Ratio
Current: 23.11% · Tier avg: 67.73%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 99.97% · Tier avg: 22.39%
100
100th pctile
Return on Assets
Current: 5.38% · Tier avg: 1.08%