Bank of New York Mellon
New York, New York · FDIC Cert #639
Bank of New York Mellon is an FDIC-insured bank (Certificate #639) with $351.8B in total assets and $305.7B in total deposits as of the Q2 2024 Call Report. Headquartered in New York, New York, the bank maintains a Tier 1 capital ratio of 16.14% (Well-Capitalized) and a nonperforming loan ratio of 0.58%. BankHealthData assigns a composite Health Grade of A (93/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of New York Mellon (FDIC cert 639) is a mega-bank: $351.8B in total assets, $305.7B in deposits, headquartered in New York, New York. Banks at this scale account for the bulk of U.S. banking assets and operate under enhanced prudential standards from the Federal Reserve, OCC, and FDIC.
Capital position is strong: Tier 1 capital ratio of 16.14% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.58% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 75.5% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is solid: ROA of 1.23% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Bank of New York Mellon carries a composite BankHealth grade of A (93/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of New York Mellon
- Total Assets
- $351.8B
- Total Deposits
- $305.7B
- Tier 1 Capital Ratio
- 16.14%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.58%
- Liquidity Ratio
- 75.54%
- Return on Assets
- 1.23%
- Headquarters
- New York, New York
- FDIC Certificate
- #639
- Health Grade
- A (93/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of New York Mellon holds a Tier 1 capital ratio of 16.14%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of New York Mellon has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of New York Mellon shows strong financial health indicators. With $351.8B in assets and a Health Score of 93/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of New York Mellon Compares
Bank of New York Mellon’s Health Score of 93 is 22 points above the New York state average of 71 across 130 FDIC-insured banks. Its 16.14% Tier 1 capital ratio is 2.1 points above the US banking industry average near 14%. The 0.58% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.23% is in line with or above the national ROA benchmark of ~1.1%. Among 17 similarly-sized banks, the average Health Score is 85, meaning this bank ranks above its size cohort. Site-wide, Bank of New York Mellon is 23 points above the portfolio average of 70.
Frequently Asked Questions
Bank of New York Mellon has a Bank Health Score of A (93/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 16.14%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of New York Mellon's Tier 1 capital ratio of 16.14% and nonperforming loan ratio of 0.58% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of New York Mellon is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #639). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of New York Mellon holds $351.8B in total assets and $305.7B in total deposits. It is headquartered in New York, New York (FDIC Certificate #639).
Bank of New York Mellon has a Tier 1 capital ratio of 16.14%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.58%, and the return on assets is 1.23%.
Yes. Bank of New York Mellon is FDIC-insured (Certificate #639). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of New York Mellon's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.