Bessemer Trust Company, N.A.: 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.
Loan-to-deposit ratio climbed 11.41 percentage points in Q2 2026, from 21.26% to 32.67%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Bessemer Trust Company, N.A. is 9th from the bottom among 105 New York banks, 32.67% (Q2 2026). Bessemer Trust Company, N.A.'s loan-to-deposit ratio of 32.67% is well below the 88.20% median for banks in the $1B-10B asset tier, a gap of 55.53 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.04B |
| Net loans and leases | $1.04B |
| Loans held for sale | $0 |
| Loans to total assets | 25.10% |
| Loan-to-deposit ratio | 32.67% |
| Net loans to equity capital | 2.52% |
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 | 18.53% |
| Consumer | 59.51% |
| 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 | 5.07% |
| Interest income on loans | $12.6M |
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 | $812.8M | $2.06B | 0.00% | 26.79% | 71.23% |
| Q4 2023 | $787.5M | $1.82B | 0.00% | 27.81% | 70.64% |
| Q1 2024 | $725.8M | $1.82B | 0.00% | 23.68% | 74.68% |
| Q2 2024 | $775.9M | $1.80B | 0.00% | 25.46% | 73.23% |
| Q3 2024 | $811.1M | $2.36B | 0.00% | 27.27% | 71.47% |
| Q4 2024 | $798.4M | $2.90B | 0.00% | 21.10% | 66.01% |
| Q1 2025 | $781.6M | $3.75B | 0.00% | 21.81% | 62.83% |
| Q2 2025 | $815.2M | $2.95B | 0.00% | 17.07% | 63.48% |
| Q3 2025 | $843.5M | $3.40B | 0.00% | 16.74% | 61.75% |
| Q4 2025 | $926.7M | $5.48B | 0.00% | 20.66% | 56.99% |
| Q1 2026 | $954.2M | $4.49B | 0.00% | 19.98% | 57.35% |
| Q2 2026 | $1.04B | $3.20B | 0.00% | 18.53% | 59.51% |
Bessemer Trust Company, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bessemer Trust Company, N.A., 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21868) · FFIEC NIC profile (RSSD 976703)