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Bessemer Trust Company, National Association

$1B-$10B Specialty: Other NY FDIC cert 21868

New York, NY

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 40 in NY.
  • Deposits +8.3% year over year ($3.2B on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.88%.
  • Efficiency ratio 79.39% vs a 59.73% peer average.
  • Loan-to-deposit ratio 32.67% 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 40 in NY
View $1B-$10B leaderboard (NY) →

Bessemer Trust Company, National Association 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 0.9% in tier
  • + Profitability Leader: Top 24.3% in tier
  • + Delinquency Rate 0.87% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 3.10% below tier average
  • - Efficiency Ratio 19.66% above tier average
  • - Non-Interest-Bearing Deposit Share 20.25% below tier average
Get updates when Bessemer Trust Company, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $4.2B
+6.9% YoY -23.1% QoQ
+$1.4B $2.8B
-0.6% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $1.0B
+28.2% YoY +9.5% QoQ
-$918.5M $2.0B
-0.3% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $3.2B
+8.3% YoY -28.7% QoQ
+$879.1M $2.3B
-0.5% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
79%
Return on Assets ? 2.88%
+7.4% YoY +16.8% QoQ
+1.48% 1.39%
+17.0% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
Top 2.5% in tier
Net Interest Margin ? 0.77%
-20.2% YoY +14.7% QoQ
-3.10% 3.87%
+6.2% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 0.5% in tier
Efficiency Ratio ? 79.39%
-3.7% YoY +0.1% QoQ
+19.66% 59.73%
-12.6% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
Bottom 7.6% in tier
Delinquency Rate ? 0.00% -0.87% 0.87%
+11.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 32.67%
+18.3% YoY +53.7% QoQ
-52.37% 85.04%
-0.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
Top 2.3% in tier
Non-Interest-Bearing Deposit Share ? 1.02%
-2.2% YoY +37.9% QoQ
-20.25% 21.27%
-1.5% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
Bottom 1.6% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+11.7% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 23.20%
+3.7% YoY -3.8% QoQ
+8.36% 14.84%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
Top 5.2% in tier
Non-Interest Income / Assets ? 11.76%
+8.4% YoY +163.7% QoQ
+11.23% 0.53%
+2.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
Top 0.6% 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 (NY) National Avg Tier Percentile
Noninterest-Bearing 1.0%
0.0pp YoY
+0.3pp QoQ
 -20.3pp 21.4% 22.1% 22.2% 1%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 18.5%
+1.5pp YoY
-1.5pp QoQ
 +4.5pp 14.0% 11.0% 12.5% 77%
CRE n/a n/a 50.0% 46.2% 41.4% n/a
1-4 Family n/a n/a 26.4% 36.6% 31.3% n/a
Consumer 59.5%
-4.0pp YoY
+2.2pp QoQ
 +54.8pp 4.7% 5.1% 5.0% 99%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 23.2%
+0.8pp YoY
-0.9pp QoQ
 +7.6pp 15.6% 26.1% 19.7% 94%
Leverage Ratio 7.6%
-0.1pp YoY
+0.9pp QoQ
 -3.7pp 11.3% 13.9% 12.6% 1%
Total Capital Ratio 23.2%
+0.8pp YoY
-0.9pp QoQ
 +6.5pp 16.7% 27.2% 20.8% 94%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 698
+26 (+3.9%) YoY
+17 (+2.5%) QoQ
 +384 313 914 482 92%
Assets per Employee ($) $6.0M
+2.9% YoY
-24.9% QoQ
 -$4.5M $10.5M $14.8M $8.8M 12%
Branch Count 1
0 YoY
0 QoQ
 -19 20 27 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) 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% 1.3% 1.0% n/a
Allowance Coverage n/a n/a 18.71x 1.92x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.3% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 38.2%
+7.8pp YoY
+1.3pp QoQ
 +25.6pp 12.6% 7.9% 11.6% 99%
Cost of Funds (YTD) 2.9%
-0.6pp YoY
+0.2pp QoQ
 +1.0pp 1.9% 1.8% 1.7% 93%
Net Income ($, YTD) $76.7M
+34.9% YoY
— QoQ
 +$57.4M $19.2M $111.2M $40.4M 98%

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 (2)

Revenue Diversifier

growth
#3 of 222 • Top 0.9% 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: 11.76%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 2.88%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Profitability Leader

growth
#55 of 222 • Top 24.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.88%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

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 (8 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
Non-Interest Income / Assets
revenue_mix
Value: 11.76%
Peer Median: 0.53%
#6 of 885 Top 0.6% in $1B-$10B
21
Loan-to-Deposit Ratio
liquidity
Value: 32.67%
Peer Median: 85.04%
#21 of 885 Top 2.3% in $1B-$10B
23
Return on Assets
profitability
Value: 2.88%
Peer Median: 1.39%
#23 of 885 Top 2.5% in $1B-$10B
47
Tier 1 Capital Ratio
capital
Value: 23.20%
Peer Median: 14.84%
#47 of 885 Top 5.2% in $1B-$10B
165
Total Assets
size
Value: $4.16B
Peer Median: $2.79B
#165 of 885 Top 18.5% in $1B-$10B
183
Total Deposits
size
Value: $3.20B
Peer Median: $2.32B
#183 of 885 Top 20.6% in $1B-$10B

Top Weaknesses (3 metrics)

882
Net Interest Margin
profitability
Value: 0.77%
Peer Median: 3.87%
#882 of 885 Bottom 0.5% in $1B-$10B
872
Non-Interest-Bearing Deposit Share
funding
Value: 1.02%
Peer Median: 21.27%
#872 of 885 Bottom 1.6% in $1B-$10B
819
Efficiency Ratio
profitability
Value: 79.39%
Peer Median: 59.73%
#819 of 885 Bottom 7.6% in $1B-$10B
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