Bessemer Trust Company, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Total interest expense: 12.2% lower than in Q1 2026, at $31.4M. Bessemer Trust Company, N.A. has the 1st lowest net interest margin of the 105 banks headquartered in New York, at 0.89% as of Q2 2026. Bessemer Trust Company, N.A.'s net interest margin of 0.89% is well below the 3.71% median for banks in the $1B-10B asset tier, a gap of 2.82 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.95% |
| Yield on loans | 5.07% |
| Yield on securities | 3.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.31% |
| Cost of interest-bearing deposits | 3.30% |
| Cost of interest-bearing liabilities | 3.30% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 0.89% |
| Yield to cost spread | 0.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.6M |
| Total interest expense | $31.4M |
| Interest expense on deposits | $31.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.67% | 3.90% | 2.26% | 6.82% | 4.86% |
| Q4 2023 | 5.76% | 3.97% | 2.30% | 6.92% | 4.99% |
| Q1 2024 | 5.74% | 3.91% | 2.34% | 6.85% | 4.85% |
| Q2 2024 | 5.74% | 4.39% | 1.94% | 6.87% | 4.99% |
| Q3 2024 | 5.73% | 4.46% | 1.86% | 6.86% | 5.00% |
| Q4 2024 | 5.11% | 4.35% | 1.27% | 6.29% | 4.54% |
| Q1 2025 | 4.72% | 4.01% | 1.08% | 5.87% | 4.28% |
| Q2 2025 | 4.68% | 4.02% | 0.96% | 5.96% | 4.23% |
| Q3 2025 | 4.70% | 4.04% | 1.05% | 5.99% | 4.21% |
| Q4 2025 | 4.23% | 3.78% | 0.75% | 5.46% | 3.85% |
| Q1 2026 | 3.86% | 3.33% | 0.77% | 5.03% | 3.54% |
| Q2 2026 | 3.95% | 3.31% | 0.89% | 5.07% | 3.55% |
Bessemer Trust Company, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bessemer Trust Company, N.A., freeSource: Call Report Schedules RI and RC-K, 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)