BlastPoint's Banking Scorecard
Bessemer Trust Company
Community
Specialty: Other
NJ
FDIC cert 20015
Woodbridge, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Bessemer Trust Company has 6 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 1% in Community
- + Return on Assets 1.48% above tier
- + Delinquency Rate 0.63% below tier
- + Loan-to-Deposit Ratio 68.10% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 39.20% above tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 43% in Community
- - Net Interest Margin 2.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+106.3% YoY
+6.5% QoQ
|
+$472.5M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$257.8M
-3.1% YoY
+7.9% QoQ
|
-$717.7M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$1.7B
+122.2% YoY
+7.5% QoQ
|
+$558.5M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
2.64%
-52.8% YoY
-7.2% QoQ
|
+1.48% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
1.10%
-60.1% YoY
-9.8% QoQ
|
-2.56% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
67.17%
+2.3% YoY
+2.2% QoQ
|
+4.54% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
14.96%
-56.4% YoY
+0.5% QoQ
|
-68.10% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.83%
-18.6% YoY
+122.0% QoQ
|
-9.22% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
49.45%
+25.9% YoY
+2.2% QoQ
|
+39.20% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
7.57%
-44.5% YoY
+31.5% QoQ
|
+6.83% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (6)
Revenue Diversifier
growth
#4 of 371 · Top 1% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
7.57%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.64%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Top 2%
in Community
Why this stands out
Current:
2.64%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
14.96%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
49.45%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
NIB Deposit Bleed
decline
#39 of 89 · Bottom 43% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
11.83%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Bottom 1%
in Community
Why this stands out
Current:
1.10%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Tier 1 Capital Ratio
Current: 49.45% · Tier avg: 10.24%
100
100th pctile
Loan-to-Deposit Ratio
Current: 14.96% · Tier avg: 83.06%
99
99th pctile
Non-Interest Income / Assets
Current: 7.57% · Tier avg: 0.74%
98
98th pctile
Return on Assets
Current: 2.64% · Tier avg: 1.16%
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
34
34th pctile
Efficiency Ratio
Current: 67.17% · Tier avg: 62.63%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.83% · Tier avg: 21.05%
2
2th pctile
Total Loans
Current: $257.8M · Tier avg: $975.5M
0
0th pctile
Net Interest Margin
Current: 1.10% · Tier avg: 3.66%
Top Weaknesses
0
0th pctile
Net Interest Margin
Current: 1.10% · Tier avg: 3.66%
2
2th pctile
Total Loans
Current: $257.8M · Tier avg: $975.5M
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.83% · Tier avg: 21.05%
34
34th pctile
Efficiency Ratio
Current: 67.17% · Tier avg: 62.63%
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
98
98th pctile
Return on Assets
Current: 2.64% · Tier avg: 1.16%
99
99th pctile
Non-Interest Income / Assets
Current: 7.57% · Tier avg: 0.74%
100
100th pctile
Loan-to-Deposit Ratio
Current: 14.96% · Tier avg: 83.06%
100
100th pctile
Tier 1 Capital Ratio
Current: 49.45% · Tier avg: 10.24%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%