Bank Comparison
Bessemer Trust Company vs Union County Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 6
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Bessemer Trust Company | Union County Savings Bank |
|---|---|---|
| CET1 Ratio | 55.30% | 21.76% |
| Tier 1 Capital Ratio | 55.30% | 21.76% |
| Total Capital Ratio | 55.30% | 22.08% |
| Tier 1 Leverage Ratio | 6.85% | 8.10% |
| Equity / Assets | 7.25% | -1.15% |
Profitability
| Metric | Bessemer Trust Company | Union County Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 2.00% | -1.22% |
| Return on Equity (ROE) | 29.93% | 170.04% |
| Net Interest Margin (NIM) | 0.83% | -0.45% |
| Yield on Earning Assets | 3.77% | 3.31% |
| Cost of Funds | 3.30% | 3.38% |
Asset quality
| Metric | Bessemer Trust Company | Union County Savings Bank |
|---|---|---|
| Texas Ratio | 0.00% | — |
| Non-Performing Loan Ratio | 0.00% | 0.83% |
| Non-Performing Asset Ratio | 0.00% | 0.17% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.00% | 0.65% |
Balance sheet
| Metric | Bessemer Trust Company | Union County Savings Bank |
|---|---|---|
| Total Assets | $1,794M | $1,490M |
| Total Deposits | $1,643M | $1,349M |
| Total Loans | $250,311K | $302,048K |
| Total Equity | $130,108K | $-17,116 |
| Net Income (quarter) | $9,503K | $-5,128 |
Liquidity & funding
| Metric | Bessemer Trust Company | Union County Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 15.23% | 22.39% |
| Core Deposit Ratio | 100.00% | 76.48% |
| Uninsured Deposit Ratio | 74.43% | 14.43% |
Identity
| Metric | Bessemer Trust Company | Union County Savings Bank |
|---|---|---|
| Headquarters City | WOODBRIDGE | ELIZABETH |
| Headquarters State | NJ | NJ |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 170 | 48 |
| Established | Jan. 1, 1907, midnight | Oct. 1, 1883, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Bessemer Trust Company profile | View full Union County Savings Bank profile | Browse all bank comparisons