Bank of New York Mellon Noninterest-bearing deposits (principally U.S. offices) increased by 0.6% to $59.98B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 2.9%, from $58.27B to $59.98B. Over 5 years (FY 2020 to FY 2025), Noninterest-bearing deposits (principally U.S. offices) shows a downward trend with a -6.5% CAGR. This is a positive signal — higher values indicate stronger performance for this metric.
Higher levels of noninterest-bearing deposits improve the net interest margin by providing low-cost funding.
These are domestic deposit accounts held by the bank that do not pay interest to the depositor. These deposits are a hig...
A key competitive advantage for custody banks; peers with strong transaction services typically hold higher levels.
non_current_liabilities_noninterest_bearing_domestic_dep_663a4c| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $94.08B | $100.50B | $93.70B | $100.04B | $106.06B | $88.28B | $78.02B | $70.25B | $67.68B | $60.57B | $58.27B | $63.41B | $58.03B | $61.50B | $58.27B | $51.50B | $67.72B | $59.65B | $59.98B |
| QoQ Change | — | +6.8% | -6.8% | +6.8% | +6.0% | -16.8% | -11.6% | -10.0% | -3.7% | -10.5% | -3.8% | +8.8% | -8.5% | +6.0% | -5.3% | -11.6% | +31.5% | -11.9% | +0.6% |
| YoY Change | — | — | — | — | +12.7% | -12.2% | -16.7% | -29.8% | -36.2% | -31.4% | -25.3% | -9.7% | -14.3% | +1.5% | -0.0% | -18.8% | +16.7% | -3.0% | +2.9% |