GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

BNY · Sep 30, 2026

Bank of New York Mellon Corp. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 4[email protected]

Inspectable configuration

State dimensions

Filing0001390777-26-000120Bank

Sequential deposit growth5thOwn-history percentile · N=19

Evidence method

Sequential · gp.financial.deposits

-9.47% · CORE · VALID

Net-income growth31thOwn-history percentile · N=16

Evidence method

Yoy · gp.fundamentals.net_income

16.95% · CORE · VALID

Interest-income growth0thOwn-history percentile · N=16

Evidence method

Yoy · gp.financial.interest_income

-13.59% · CORE · VALID

Cash and equivalents90thOwn-history percentile · N=20

Evidence method

Level · gp.fundamentals.cash

$6.7B · CORE · VALID

Sequential loan growthRAWCurrent state valid · history insufficient

Evidence method

Sequential · gp.financial.loans

0.48% · CORE · NOT_ENOUGH_HISTORY

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History2 statesSelf-history eligible

Sep 30, 20220/5 normalizedLevel 3 Sep 30, 20264/5 normalizedLevel 4

Period transition

What moved in the state?

Deposit Growth Increased

Previous: -11.16%
Current: -9.47%
Delta: 1.69%

Earnings Growth Decreased

Previous: 23.75%
Current: 16.95%
Delta: -6.80%

Interest Income Growth Decreased

Previous: -10.03%
Current: -13.59%
Delta: -3.56%

Liquidity Decreased

Previous: $7.5B
Current: $6.7B
Delta: -$747.0M

Loan Growth Increased

Previous: -12.38%
Current: 0.48%
Delta: 12.86%

Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Jun 30, 2026

Similarity: 81%
Compared: 4 dimensions
Coverage: 100%

Liquidity 10.0 · Deposit Growth 5.3 · Earnings Growth 35.4 · Interest Income Growth 0.0

Sep 30, 2024

Similarity: 78%
Compared: 4 dimensions
Coverage: 100%

Liquidity 1.7 · Deposit Growth 40.2 · Earnings Growth 18.8 · Interest Income Growth 0.0

Sep 30, 2025

Similarity: 68%
Compared: 4 dimensions
Coverage: 100%

Liquidity 58.8 · Deposit Growth 5.3 · Earnings Growth 27.1 · Interest Income Growth 0.0

Mar 31, 2025

Similarity: 56%
Compared: 4 dimensions
Coverage: 100%

Liquidity 32.9 · Deposit Growth 79.4 · Earnings Growth 18.8 · Interest Income Growth 0.0

Research Graph

Related governed research

Analogous To · BNY state analogue 2 →Analogous To · BNY state analogue 3 →Compared To · State Commercial Banks peers →Analogous To · BNY state analogue 4 →Analogous To · BNY state analogue 1 →Derived From · BNY Company Quality Vector →Has State · Bank of New York Mellon Corp →Transitioned To · BNY DEPOSIT_GROWTH_INCREASED →Transitioned To · BNY EARNINGS_GROWTH_DECREASED →Transitioned To · BNY INTEREST_INCOME_GROWTH_DECREASED →Transitioned To · BNY LIQUIDITY_DECREASED →Transitioned To · BNY LOAN_GROWTH_INCREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.