BlastPoint's Banking Scorecard
The Bank of New York Mellon
Titans
Specialty: Other
NY
FDIC cert 639
New York, NY
16
banks in Titans tier nationally
3 in NY
View Titans leaderboard (NY) →
The Bank of New York Mellon shows strong momentum with 4 strengths and 13.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 1% in Titans
- + Credit Quality Leader: Top 33% in Titans
- + Loan-to-Deposit Ratio 43.50% below tier
- + Nonperforming Asset Ratio 0.40% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$381.0B
+13.4% YoY
+4.0% QoQ
|
-$571.4B |
$952.4B
-3.6% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$40.5B
+10.0% YoY
+8.2% QoQ
|
-$378.0B |
$418.5B
-0.2% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$332.4B
+14.1% YoY
+4.5% QoQ
|
-$407.4B |
$739.8B
-3.8% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
1.31%
+30.0% YoY
+3.0% QoQ
|
+0.20% |
1.11%
+7.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
1.53%
+10.3% YoY
+1.4% QoQ
|
-0.95% |
2.47%
+1.2% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
60.76%
-8.6% YoY
-0.9% QoQ
|
+4.90% |
55.86%
+1.9% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.32%
-29.1% YoY
-18.2% QoQ
|
-0.54% |
0.86%
-12.4% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
12.18%
-3.6% YoY
+3.6% QoQ
|
-43.50% |
55.68%
+5.4% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.14%
-9.7% YoY
-6.2% QoQ
|
+5.34% |
14.80%
-14.8% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.03%
-30.7% YoY
-14.2% QoQ
|
-0.40% |
0.44%
-9.5% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
16.33%
+1.5% YoY
+0.7% QoQ
|
+0.81% |
15.52%
+8.4% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
2.86%
-3.3% YoY
+30.1% QoQ
|
+1.60% |
1.25%
-5.5% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (4)
Revenue Diversifier
growth
#1 of 4 · Top 1% in Titans
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.86%
(Tier: 1.25%, National: 0.65%)
Return on Assets:
1.31%
(Tier: 1.11%, National: 1.12%)
4 of 4 Titans banks match
·
441 nationally
→ Stable
+4 banks QoQ
Credit Quality Leader
growth
#2 of 4 · Top 33% in Titans
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.32%
(Tier: 0.86%, National: 0.66%)
4 of 4 Titans banks match
·
443 nationally
→ Stable
+6 banks QoQ
Loan-to-Deposit Ratio
metric
Top 1%
in Titans
Why this stands out
Current:
12.18%
(Tier avg: 55.68%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 6%
in Titans
Why this stands out
Current:
0.03%
(Tier avg: 0.44%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
Loan-to-Deposit Ratio
Current: 12.18% · Tier avg: 55.68%
100
100th pctile
Non-Interest Income / Assets
Current: 2.86% · Tier avg: 1.25%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.44%
88
88th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.86%
75
75th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.11%
75
75th pctile
Tier 1 Capital Ratio
Current: 16.33% · Tier avg: 15.52%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 20.14% · Tier avg: 14.80%
44
44th pctile
Total Assets
Current: $381.0B · Tier avg: $952.4B
44
44th pctile
Total Deposits
Current: $332.4B · Tier avg: $739.8B
19
19th pctile
Efficiency Ratio
Current: 60.76% · Tier avg: 55.86%
12
12th pctile
Net Interest Margin
Current: 1.53% · Tier avg: 2.47%
6
6th pctile
Total Loans
Current: $40.5B · Tier avg: $418.5B
Top Weaknesses
6
6th pctile
Total Loans
Current: $40.5B · Tier avg: $418.5B
12
12th pctile
Net Interest Margin
Current: 1.53% · Tier avg: 2.47%
19
19th pctile
Efficiency Ratio
Current: 60.76% · Tier avg: 55.86%
44
44th pctile
Total Deposits
Current: $332.4B · Tier avg: $739.8B
44
44th pctile
Total Assets
Current: $381.0B · Tier avg: $952.4B
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 20.14% · Tier avg: 14.80%
75
75th pctile
Tier 1 Capital Ratio
Current: 16.33% · Tier avg: 15.52%
75
75th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.11%
88
88th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.86%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.44%
100
100th pctile
Non-Interest Income / Assets
Current: 2.86% · Tier avg: 1.25%
100
100th pctile
Loan-to-Deposit Ratio
Current: 12.18% · Tier avg: 55.68%