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Bessemer Trust Company

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

Woodbridge, NJ

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in NJ.
  • Deposits +39.5% year over year ($2.2B on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.95%.
  • Efficiency ratio 70.32% vs a 59.73% peer average.
  • Loan-to-deposit ratio 11.17% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in NJ
View $1B-$10B leaderboard (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 12.6% in tier
  • + Delinquency Rate 0.87% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.56% above tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 3.08% below tier average
  • - Non-Interest-Bearing Deposit Share 18.89% below tier average
  • - Efficiency Ratio 10.59% above tier average
Get updates when Bessemer Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $2.4B
+37.2% YoY +31.7% QoQ
-$430.7M $2.8B
-0.6% YoY
$4.4B
+7.9% YoY
$6.3B
+7.7% YoY
59%
Total Loans ? $246.3M
-5.1% YoY -1.6% QoQ
-$1.7B $2.0B
-0.3% YoY
$3.3B
+6.8% YoY
$3.2B
+9.4% YoY
Bottom 1.1% in tier
Total Deposits ? $2.2B
+39.5% YoY +34.3% QoQ
-$112.6M $2.3B
-0.5% YoY
$3.6B
+8.2% YoY
$4.9B
+7.3% YoY
64%
Return on Assets ? 1.95%
-35.7% YoY -6.0% QoQ
+0.56% 1.39%
+17.0% YoY
0.53%
-11.1% YoY
1.30%
+12.1% YoY
Top 13.4% in tier
Net Interest Margin ? 0.79%
-39.6% YoY -7.1% QoQ
-3.08% 3.87%
+6.2% YoY
3.11%
+4.3% YoY
3.95%
+4.9% YoY
Bottom 0.6% in tier
Efficiency Ratio ? 70.32%
+5.1% YoY -0.8% QoQ
+10.59% 59.73%
-12.6% YoY
78.52%
+3.6% YoY
70.05%
+2.5% YoY
21%
Delinquency Rate ? 0.00% -0.87% 0.87%
+11.7% YoY
0.69%
-16.2% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 11.17%
-32.0% YoY -26.7% QoQ
-73.87% 85.04%
-0.1% YoY
81.90%
-3.2% YoY
79.03%
+2.3% YoY
Top 0.8% in tier
Non-Interest-Bearing Deposit Share ? 2.38%
-26.0% YoY -45.5% QoQ
-18.89% 21.27%
-1.5% YoY
16.56%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 2.1% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+11.7% YoY
0.61%
-0.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 56.09%
+27.5% YoY +1.4% QoQ
+41.25% 14.84%
-0.4% YoY
19.31%
+2.7% YoY
17.09%
+0.8% YoY
Top 0.6% in tier
Non-Interest Income / Assets ? 3.39%
-12.6% YoY +52.7% QoQ
+2.87% 0.53%
+2.5% YoY
0.77%
-2.9% YoY
0.66%
+5.2% YoY
Top 1.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Noninterest-Bearing 2.4%
-0.8pp YoY
-2.0pp QoQ
 -19.0pp 21.4% 16.6% 22.2% 2%
Brokered Deposits n/a n/a 9.5% 10.1% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
C&I 19.3%
+8.0pp YoY
-0.2pp QoQ
 +5.3pp 14.0% 6.5% 12.5% 79%
CRE n/a n/a 50.0% 56.3% 41.4% n/a
1-4 Family n/a n/a 26.4% 39.4% 31.3% n/a
Consumer 59.8%
-3.5pp YoY
0.0pp QoQ
 +55.1pp 4.7% 4.3% 5.0% 99%

Capital

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
CET1 Ratio 56.1%
+12.1pp YoY
+0.8pp QoQ
 +40.5pp 15.6% 18.8% 19.7% 99%
Leverage Ratio 6.7%
-3.1pp YoY
-0.2pp QoQ
 -4.7pp 11.3% 13.4% 12.6% 0%
Total Capital Ratio 56.1%
+12.1pp YoY
+0.8pp QoQ
 +39.4pp 16.7% 19.8% 20.8% 99%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Full-Time Employees 173
+6 (+3.6%) YoY
+3 (+1.8%) QoQ
 -141 313 336 482 32%
Assets per Employee ($) $13.7M
+32.5% YoY
+29.4% QoQ
 +$3.2M $10.5M $11.2M $8.8M 86%
Branch Count 1
0 YoY
0 QoQ
 -19 20 20 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual n/a n/a 0.8% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 18.71x 6.57x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.3% 0.2% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
ROE 30.5%
-0.2pp YoY
+0.6pp QoQ
 +17.9pp 12.6% 6.4% 11.6% 98%
Cost of Funds (YTD) 2.9%
0.0pp YoY
-0.2pp QoQ
 +0.9pp 1.9% 1.9% 1.7% 93%
Net Income ($, YTD) $19.6M
+6.5% YoY
— QoQ
 +$358K $19.2M $19.8M $40.4M 69%

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
#29 of 222 • Top 12.6% 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: 3.39%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.95%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.87%
#1 of 882 Top 0.1% in $1B-$10B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 885 Top 0.1% in $1B-$10B
6
Tier 1 Capital Ratio
capital
Value: 56.09%
Peer Median: 14.84%
#6 of 885 Top 0.6% in $1B-$10B
8
Loan-to-Deposit Ratio
liquidity
Value: 11.17%
Peer Median: 85.04%
#8 of 885 Top 0.8% in $1B-$10B
15
Non-Interest Income / Assets
revenue_mix
Value: 3.39%
Peer Median: 0.53%
#15 of 885 Top 1.6% in $1B-$10B
120
Return on Assets
profitability
Value: 1.95%
Peer Median: 1.39%
#120 of 885 Top 13.4% in $1B-$10B

Top Weaknesses (4 metrics)

881
Net Interest Margin
profitability
Value: 0.79%
Peer Median: 3.87%
#881 of 885 Bottom 0.6% in $1B-$10B
876
Total Loans
size
Value: $246.35M
Peer Median: $1.96B
#876 of 885 Bottom 1.1% in $1B-$10B
867
Non-Interest-Bearing Deposit Share
funding
Value: 2.38%
Peer Median: 21.27%
#867 of 885 Bottom 2.1% in $1B-$10B
703
Efficiency Ratio
profitability
Value: 70.32%
Peer Median: 59.73%
#703 of 885 Bottom 20.7% in $1B-$10B
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