BlastPoint's Banking Scorecard

Bessemer Trust Company

$1B-$10B Specialty: Other NJ FDIC cert 20015

Woodbridge, NJ

884 banks in the $1B-$10B peer group nationally 20 in NJ

Bessemer Trust Company has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 10.0% in tier
+ Return on Assets 0.71% above tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 0.1% in tier
- Cost Spiral: Bottom 54.8% in tier
- Net Interest Margin 2.96% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$1.8B +77.3% YoY -3.7% QoQ	-$1.0B	$2.8B -0.1% YoY	$4.1B +2.0% YoY	$6.2B +9.1% YoY	45%
Total Loans ?	$250.3M +0.3% YoY -2.9% QoQ	-$1.7B	$2.0B +0.6% YoY	$3.1B +1.9% YoY	$3.2B +10.8% YoY	Bottom 1.1% in tier
Total Deposits ?	$1.6B +119.9% YoY -4.6% QoQ	-$700.3M	$2.3B -0.3% YoY	$3.3B +2.8% YoY	$4.8B +8.2% YoY	49%
Return on Assets ?	2.08% -49.1% YoY -21.4% QoQ	+0.71%	1.37% +19.6% YoY	0.42% -40.1% YoY	1.23% +13.4% YoY	Top 8.0% in tier
Net Interest Margin ?	0.85% -43.1% YoY -22.3% QoQ	-2.96%	3.82% +6.9% YoY	3.07% +6.4% YoY	3.89% +5.7% YoY	Bottom 0.7% in tier
Efficiency Ratio ?	70.90% +9.9% YoY +5.6% QoQ	+9.84%	61.06% -4.6% YoY	81.63% +9.7% YoY	66.95% -4.1% YoY	21%
Delinquency Rate ?	0.00%	-0.89%	0.89% +14.1% YoY	0.74% -28.2% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	15.23% -54.4% YoY +1.8% QoQ	-68.97%	84.20% +0.3% YoY	82.02% -3.5% YoY	76.70% +0.9% YoY	Top 1.1% in tier
Non-Interest-Bearing Deposit Share ?	4.37% -88.1% YoY -63.1% QoQ	-16.92%	21.29% -2.5% YoY	16.85% -1.4% YoY	22.01% -1.2% YoY	Bottom 3.7% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +15.6% YoY	0.57% -26.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	55.30% +24.7% YoY +11.8% QoQ	+40.14%	15.16% +2.0% YoY	20.47% +20.0% YoY	17.06% +0.8% YoY	Top 0.8% in tier
Non-Interest Income / Assets ?	2.22% -32.9% YoY -70.6% QoQ	+1.97%	0.26% +1.6% YoY	0.39% -6.4% YoY	0.32% +4.1% YoY	Top 0.9% in tier

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#23 of 221 • Top 10.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 2.22%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 2.08%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

NIB Deposit Bleed

decline

#1 of 36 • Bottom 0.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 4.37%

(Tier: 21.29%, National: 22.01%)

worse than tier avg

36 of 36 Mid-Market banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank improving

Cost Spiral

risk

#18 of 31 • Bottom 54.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 70.90%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

31 of 31 Mid-Market banks match · 176 nationally

↑ Growing +82 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 880 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 884 Top 0.1% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 55.30%

Peer Median: 15.16%

#8 of 884 Top 0.8% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 2.22%

Peer Median: 0.26%

#9 of 884 Top 0.9% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 15.23%

Peer Median: 84.20%

#11 of 884 Top 1.1% in $1B-$10B

Return on Assets

profitability

Value: 2.08%

Peer Median: 1.37%

#72 of 884 Top 8.0% in $1B-$10B

Top Weaknesses (4 metrics)

879

Net Interest Margin

profitability

Value: 0.85%

Peer Median: 3.82%

#879 of 884 Bottom 0.7% in $1B-$10B

875

Total Loans

size

Value: $250.31M

Peer Median: $1.96B

#875 of 884 Bottom 1.1% in $1B-$10B

852

Non-Interest-Bearing Deposit Share

funding

Value: 4.37%

Peer Median: 21.29%

#852 of 884 Bottom 3.7% in $1B-$10B

701

Efficiency Ratio

profitability

Value: 70.90%

Peer Median: 61.06%

#701 of 884 Bottom 20.8% in $1B-$10B