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Bank Safety Analysis

Is Bessemer Trust Company Safe?

Bessemer Trust Company passes all 5 regulatory safety dimensions, with capital, asset quality, and stress buffers above supervisory concern bands. Analysis based on the Q2 2026 call report.

The largest change between Q1 2026 and Q2 2026 was in CET1 ratio, which rose 0.80 percentage points to 56.09%. As of Q2 2026, Bessemer Trust Company ranks first in New Jersey on CET1 ratio among 37 banks, at 56.09%. Against a median of 13.48% for banks in the $1B-10B asset tier, Bessemer Trust Company reported 56.09% on CET1 ratio in Q2 2026, 42.61 points higher. From Q3 2023 to Q2 2026, Bessemer Trust Company's CET1 ratio ranged between 31.91% (Q1 2024) and 56.09% (Q2 2026) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.00% (Q2 2026). Compared with Q2 2025, Bessemer Trust Company's CET1 ratio from 44.01% to 56.09%, noncurrent loans to total loans from 0.00% to 0.00%, Texas ratio from 0.00% to 0.00%, return on assets from 2.69% to 2.04% in Q2 2026.

Data as of · sourced from FFIEC call reports. How we update

Overall verdict Pass: well above regulatory thresholds
12-month failure risk score
0.04%
Risk tier
LOW
Composite risk score
0.12/100

A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.

Scorecard by dimension

Peer cohort: banks with $1B to $10B in assets (931 banks) · Industry averages as of Q2 2026.

Capital Adequacy PASS
CET1 Ratio: 56.09% · 4,909 bps above the 7.0% well-capitalized-plus-buffer line
Peer tier avg: 16.04% Industry avg: 14.72%
Pass: ≥ 7.0% (well-capitalized plus buffer) · Fail: < 4.5% (below minimum)

CET1 of 56.09% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.

Leverage PASS
Tier 1 Leverage Ratio: 6.66% · 166 bps above the 5.0% well-capitalized line
Peer tier avg: 11.12% Industry avg: 9.01%
Pass: ≥ 5.0% (well-capitalized) · Fail: < 4.0% (below minimum)

Tier 1 leverage of 6.66% is above the 5% well-capitalized threshold.

Asset Quality PASS
Nonperforming Loans (NPL) Ratio: 0.00% · 150 bps below the 1.5% supervisory watch band
Peer tier avg: 1.00% Industry avg: 1.02%
Pass: < 1.5% · Fail: > 3.0%

Nonperforming loans at 0.00% are within industry-normal range.

Stress Buffer PASS
Texas Ratio: 0.00% · 5,000 bps below the 50% supervisory watch band
Peer tier avg: 7.43% Industry avg: 7.23%
Pass: < 50% · Fail: > 100% (historical failure threshold)

Texas Ratio of 0.0% is well below the 100% historical failure threshold.

Operating Efficiency PASS
Efficiency Ratio: 69.65% · 535 bps below the 75% supervisory concern band
Peer tier avg: 57.52% Industry avg: 56.25%
Pass: < 65% (lower is better) · Fail: > 75%

Efficiency ratio of 69.6% reflects competitive operating costs (lower is better).

Risk screens

Latest filing (Q2 2026), passing screens included.

Risk screens for Bessemer Trust Company
Screen Value Trigger Result
CET1 capital ratio supervisory threshold 56.09% Flags below 7% Within range
Texas ratio BankRegReports band 0.00% Watch at 50%, concern at 100% Within range
Non-performing loan ratio BankRegReports band 0.00% Flags at 3% or above Within range
Uninsured deposit share BankRegReports band 78.46% Watch at 50%, concern at 70% Flagged
Loan-to-deposit ratio BankRegReports band 11.17% Flags at 100% or above Within range
Commercial real estate to capital supervisory threshold 0.00% Watch at 200%, concern at 300% Within range
Held-to-maturity unrealized loss to equity BankRegReports band 0.00% Watch at 10%, concern at 25% Within range

Capital ratio: last 12 quarters

CET1 (%)
Quarter CET1 (%)
Q2 2026 56.09%
Q1 2026 55.30%
Q4 2025 49.45%
Q3 2025 48.36%
Q2 2025 44.01%
Q1 2025 44.34%
Q4 2024 39.29%
Q3 2024 38.66%
Q2 2024 33.56%
Q1 2024 31.91%
Q4 2023 36.69%
Q3 2023 41.66%

Texas Ratio: last 12 quarters

Texas Ratio (%)
Quarter Texas Ratio (%)
Q2 2026 0.00%
Q1 2026 0.00%
Q4 2025 0.00%
Q3 2025 0.00%
Q2 2025 0.00%
Q1 2025 0.00%
Q4 2024 0.00%
Q3 2024 0.00%
Q2 2024 0.00%
Q1 2024 0.00%
Q4 2023 0.00%
Q3 2023 0.00%

Bessemer Trust Company by quarter

Key safety ratios, last 12 quarters
Quarter end CET1 Noncurrent loans Texas ratio ROA
Jun 30, 2026 56.09% 0.00% 0.00% 2.04%
Mar 31, 2026 55.30% 0.00% 0.00% 2.00%
Dec 31, 2025 49.45% 0.00% 0.00% 2.20%
Sep 30, 2025 48.36% 0.00% 0.00% 2.43%
Jun 30, 2025 44.01% 0.00% 0.00% 2.69%
Mar 31, 2025 44.34% 0.00% 0.00% 4.33%
Dec 31, 2024 39.29% 0.00% 0.00% 6.14%
Sep 30, 2024 38.66% 0.00% 0.00% 7.25%
Jun 30, 2024 33.56% 0.00% 0.00% 5.20%
Mar 31, 2024 31.91% 0.00% 0.00% 5.42%
Dec 31, 2023 36.69% 0.00% 0.00% 7.28%
Sep 30, 2023 41.66% 0.00% 0.00% 5.99%

Banks with a similar risk profile

4 banks in the same asset tier with the same overall verdict.

Frequently asked

Is Bessemer Trust Company FDIC insured?

Yes. Bessemer Trust Company is an FDIC-insured commercial bank (FDIC Certificate #20015). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.

Is Bessemer Trust Company well capitalized?

Yes. Bessemer Trust Company reports a CET1 Ratio of 56.09%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.

What is Bessemer Trust Company's nonperforming loan ratio?

As of the most recent call report, Bessemer Trust Company's nonperforming loan ratio is 0.00%. Nonperforming loans at 0.00% are within industry-normal range.

What is Bessemer Trust Company's Texas Ratio?

Bessemer Trust Company's Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.

How safe is my money at any FDIC-insured bank?

FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.

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Bessemer Trust Company: regulatory capital profile · BankRegReports

Methodology & disclaimer

Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.