Bessemer Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.07 percentage points lower than in Q1 2026, at 11.17%. Bessemer Trust Company has the 3rd lowest loan-to-deposit ratio of the 49 banks headquartered in New Jersey, at 11.17% as of Q2 2026. Against a median of 88.20% for banks in the $1B-10B asset tier, Bessemer Trust Company reported 11.17% on loan-to-deposit ratio in Q2 2026, 77.04 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $246.3M |
| Net loans and leases | $246.3M |
| Loans held for sale | $0 |
| Loans to total assets | 10.43% |
| Loan-to-deposit ratio | 11.17% |
| Net loans to equity capital | 1.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 19.27% |
| Consumer | 59.78% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.15% |
| Interest income on loans | $3.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $272.9M | $538.6M | 0.00% | 18.69% | 78.03% |
| Q4 2023 | $276.4M | $467.2M | 0.00% | 19.97% | 79.63% |
| Q1 2024 | $328.7M | $427.5M | 0.00% | 29.84% | 69.25% |
| Q2 2024 | $313.2M | $379.7M | 0.00% | 26.39% | 70.38% |
| Q3 2024 | $279.0M | $501.8M | 0.00% | 28.16% | 69.72% |
| Q4 2024 | $266.0M | $775.4M | 0.00% | 15.32% | 66.60% |
| Q1 2025 | $249.6M | $747.3M | 0.00% | 16.45% | 62.70% |
| Q2 2025 | $259.6M | $1.58B | 0.00% | 11.28% | 63.27% |
| Q3 2025 | $238.8M | $1.60B | 0.00% | 12.43% | 60.54% |
| Q4 2025 | $257.8M | $1.72B | 0.00% | 18.85% | 61.19% |
| Q1 2026 | $250.3M | $1.64B | 0.00% | 19.43% | 59.83% |
| Q2 2026 | $246.3M | $2.21B | 0.00% | 19.27% | 59.78% |
Bessemer Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bessemer Trust Company, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bessemer Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20015) · FFIEC NIC profile (RSSD 7009)