| Metric | Bessemer Trust Company | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +37.2% | +5.5% | +31.8 pts |
| Deposit growth (YoY) | +39.5% | +5.1% | +34.4 pts |
| Loan growth (YoY) | -5.1% | +6.0% | -11.1 pts |
| ROA | 1.95% | 1.26% | +0.7 pts |
| ROE | 30.5% | 12.2% | +18.3 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.36B | $2.21B | $246.3M | $131.6M | $19.6M | 1.95% | 0.79% | 0.00% |
| Q1 2026 | $1.79B | $1.64B | $250.3M | $130.1M | $9.5M | 2.08% | 0.85% | 0.00% |
| Q4 2025 | $1.86B | $1.72B | $257.8M | $123.9M | $38.3M | 2.64% | 1.10% | 0.00% |
| Q3 2025 | $1.75B | $1.60B | $238.8M | $127.8M | $28.8M | 2.85% | 1.22% | 0.00% |
| Q2 2025 | $1.72B | $1.58B | $259.6M | $124.1M | $18.4M | 3.04% | 1.31% | 0.00% |
| Q1 2025 | $1.01B | $747.3M | $249.6M | $121.4M | $9.8M | 4.08% | 1.50% | 0.00% |
| Q4 2024 | $903.5M | $775.4M | $266.0M | $114.2M | $35.5M | 5.59% | 2.75% | 0.00% |
| Q3 2024 | $633.4M | $501.8M | $279.0M | $117.1M | $24.8M | 5.84% | 3.25% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $47.5M · consumer $147.3M · securities $1.55B
| Ratio | Bessemer Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 1.26% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 30.5% | 12.2% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.79% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.3% | 59.0% | 79th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bessemer Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bessemer Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bessemer Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bessemer Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bessemer Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $2.21B branch deposits. Biggest market: Middlesex, NJ, ranked 9th with 3.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, NJ | 1 | $2.21B | 3.85% | 9th |
New Jersey: 30th with 0.47% · New York-Newark-Jersey City metro: 61st, 0.07% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1