BlastPoint's Banking Scorecard
BNY Mellon, National Association
Large
Specialty: Other
PA
FDIC cert 7946
Pittsburgh, PA
69
banks in Large tier nationally
3 in PA
View Large leaderboard (PA) →
BNY Mellon, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 44% in Large
- + Delinquency Rate 0.83% below tier
- + Nonperforming Asset Ratio 0.52% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.32% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$31.3B
+2.6% YoY
+0.1% QoQ
|
-$43.5B |
$74.9B
-4.4% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$18.8B
+3.5% YoY
+0.4% QoQ
|
-$27.7B |
$46.4B
-2.1% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$26.7B
+3.5% YoY
+0.8% QoQ
|
-$33.7B |
$60.5B
-4.5% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
0.94%
+2.3% YoY
+3.3% QoQ
|
-0.26% |
1.19%
+17.8% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
1.14%
-6.1% YoY
+0.8% QoQ
|
-2.32% |
3.46%
+13.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
66.72%
-1.0% YoY
-2.5% QoQ
|
+11.70% |
55.03%
-2.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.05%
-3.4% YoY
-0.4% QoQ
|
-0.83% |
0.88%
-0.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
70.24%
-0.0% YoY
-0.4% QoQ
|
-11.48% |
81.72%
+3.9% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
4.37%
+9.7% YoY
+99.2% QoQ
|
-15.60% |
19.97%
+0.5% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.04%
-2.5% YoY
-0.1% QoQ
|
-0.52% |
0.55%
+9.0% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Top 4% in tier |
| Tier 1 Capital Ratio ? |
14.35%
+11.2% YoY
+1.8% QoQ
|
+1.02% |
13.33%
-0.7% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
2.68%
-2.6% YoY
+32.2% QoQ
|
+1.59% |
1.09%
+2.4% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#8 of 17 · Top 44% in Large
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.68%
(Tier: 1.09%, National: 0.65%)
Return on Assets:
0.94%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
441 nationally
→ Stable
+4 banks QoQ
Delinquency Rate
metric
Top 1%
in Large
Why this stands out
Current:
0.05%
(Tier avg: 0.88%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 4%
in Large
Why this stands out
Current:
0.04%
(Tier avg: 0.55%, National avg: 0.48%)
Concerns (1)
Net Interest Margin
metric
Bottom 3%
in Large
Why this stands out
Current:
1.14%
(Tier avg: 3.46%, National avg: 3.75%)
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
99
99th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.88%
97
97th pctile
Non-Interest Income / Assets
Current: 2.68% · Tier avg: 1.09%
96
96th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.55%
75
75th pctile
Loan-to-Deposit Ratio
Current: 70.24% · Tier avg: 81.72%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.35% · Tier avg: 13.33%
28
28th pctile
Total Deposits
Current: $26.7B · Tier avg: $60.5B
23
23th pctile
Total Assets
Current: $31.3B · Tier avg: $74.9B
23
23th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.19%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 4.37% · Tier avg: 19.97%
13
13th pctile
Total Loans
Current: $18.8B · Tier avg: $46.4B
10
10th pctile
Efficiency Ratio
Current: 66.72% · Tier avg: 55.03%
3
3th pctile
Net Interest Margin
Current: 1.14% · Tier avg: 3.46%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 1.14% · Tier avg: 3.46%
10
10th pctile
Efficiency Ratio
Current: 66.72% · Tier avg: 55.03%
13
13th pctile
Total Loans
Current: $18.8B · Tier avg: $46.4B
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 4.37% · Tier avg: 19.97%
23
23th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.19%
23
23th pctile
Total Assets
Current: $31.3B · Tier avg: $74.9B
28
28th pctile
Total Deposits
Current: $26.7B · Tier avg: $60.5B
75
75th pctile
Tier 1 Capital Ratio
Current: 14.35% · Tier avg: 13.33%
75
75th pctile
Loan-to-Deposit Ratio
Current: 70.24% · Tier avg: 81.72%
96
96th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.55%
97
97th pctile
Non-Interest Income / Assets
Current: 2.68% · Tier avg: 1.09%
99
99th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.88%