BlastPoint's Banking Scorecard
Bessemer Trust Company, National Association
Mid-Market
Specialty: Other
NY
FDIC cert 21868
New York, NY
201
banks in Mid-Market tier nationally
22 in NY
View Mid-Market leaderboard (NY) →
Bessemer Trust Company, National Association has 6 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 1% in Mid-Market
- + Return on Assets 1.80% above tier
- + Delinquency Rate 0.68% below tier
- + Loan-to-Deposit Ratio 68.56% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 8.80% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1% in Mid-Market
- - Net Interest Margin 2.53% below tier
- - Non-Interest-Bearing Deposit Share 20.05% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.4B
+67.4% YoY
+46.5% QoQ
|
-$4.0B |
$10.5B
+2.9% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$926.7M
+16.1% YoY
+9.9% QoQ
|
-$6.2B |
$7.1B
+4.5% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$5.5B
+88.7% YoY
+61.3% QoQ
|
-$3.1B |
$8.5B
+3.0% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
2.96%
-24.8% YoY
+5.9% QoQ
|
+1.80% |
1.16%
+9.4% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
0.86%
-50.9% YoY
-12.1% QoQ
|
-2.53% |
3.40%
+7.9% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
80.48%
-0.8% YoY
-1.8% QoQ
|
+23.87% |
56.60%
-3.2% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? | 0.00% | -0.68% |
0.68%
+12.0% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
16.91%
-38.5% YoY
-31.9% QoQ
|
-68.56% |
85.47%
+1.1% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.59%
-43.6% YoY
-35.1% QoQ
|
-20.05% |
20.64%
-0.3% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+7.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
22.35%
+10.7% YoY
+0.5% QoQ
|
+8.80% |
13.55%
+1.8% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
14.11%
-33.3% YoY
-4.0% QoQ
|
+13.15% |
0.96%
+7.1% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (6)
Revenue Diversifier
growth
#1 of 49 · Top 1% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
14.11%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
2.96%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 1%
in Mid-Market
Why this stands out
Current:
2.96%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Top 1%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 0.68%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
16.91%
(Tier avg: 85.47%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 3%
in Mid-Market
Why this stands out
Current:
22.35%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (3)
Efficiency Drag
risk
#1 of 9 · Bottom 1% in Mid-Market
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
80.48%
(Tier: 56.60%, National: 65.09%)
9 of 9 Mid-Market banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 4%
in Mid-Market
Why this stands out
Current:
0.86%
(Tier avg: 3.40%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Mid-Market
Why this stands out
Current:
0.59%
(Tier avg: 20.64%, National avg: 21.79%)
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: 0.68%
100
100th pctile
Loan-to-Deposit Ratio
Current: 16.91% · Tier avg: 85.47%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Non-Interest Income / Assets
Current: 14.11% · Tier avg: 0.96%
99
99th pctile
Return on Assets
Current: 2.96% · Tier avg: 1.16%
97
97th pctile
Tier 1 Capital Ratio
Current: 22.35% · Tier avg: 13.55%
31
31th pctile
Total Deposits
Current: $5.5B · Tier avg: $8.5B
25
25th pctile
Total Assets
Current: $6.4B · Tier avg: $10.5B
5
5th pctile
Efficiency Ratio
Current: 80.48% · Tier avg: 56.60%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 0.59% · Tier avg: 20.64%
4
4th pctile
Net Interest Margin
Current: 0.86% · Tier avg: 3.40%
2
2th pctile
Total Loans
Current: $926.7M · Tier avg: $7.1B
Top Weaknesses
2
2th pctile
Total Loans
Current: $926.7M · Tier avg: $7.1B
4
4th pctile
Net Interest Margin
Current: 0.86% · Tier avg: 3.40%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 0.59% · Tier avg: 20.64%
5
5th pctile
Efficiency Ratio
Current: 80.48% · Tier avg: 56.60%
25
25th pctile
Total Assets
Current: $6.4B · Tier avg: $10.5B
31
31th pctile
Total Deposits
Current: $5.5B · Tier avg: $8.5B
97
97th pctile
Tier 1 Capital Ratio
Current: 22.35% · Tier avg: 13.55%
99
99th pctile
Return on Assets
Current: 2.96% · Tier avg: 1.16%
100
100th pctile
Non-Interest Income / Assets
Current: 14.11% · Tier avg: 0.96%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Loan-to-Deposit Ratio
Current: 16.91% · Tier avg: 85.47%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.68%