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Bny Mellon National Association

IDRSSD: 934329
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q1QoQ +3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q1

Bank #934329 2025-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Unknown
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.13% of loans.
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 32.1% of deposits (threshold 30%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 47.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -2
74
Sub-score

Liquidity is stable: brokered 32.1%, loans/deposits 72.2%.

Cash / Assets
—
Loans / Deposits
72.21%
Brokered %
32.10%

Watch Items

  • infoBrokered deposits above 30% — Brokered 32.1% of deposits (threshold 30%).

Securities

Unknown
—
Sub-score

Insufficient data to compute a narrative for this pillar.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
—
No watch items at this period.

Capitalization

StrongQoQ +7
82
Sub-score

Capital position is strong: Tier 1 RBC 13.78%, CET1 13.78%, leverage 6.42%.

Tier 1 RBC
13.78%
CET1
13.78%
Leverage
6.42%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.03%, Texas Ratio 0.3%, NCO YTD 0.00%.

Adjusted NPL
0.03%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
0.00%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +3
42
Sub-score

Reserves are deteriorating: ALLL 0.13% of loans, coverage 383.3%, true coverage 47.9%.

ALLL / Loans
0.13%
Coverage
383.3%
True Loss Coverage
47.9%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.9% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.13% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 14:45:07 UTC