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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New Jersey, the state note

Bessemer Trust Co.

Woodbridge, New Jersey · $2.36B in assets · beside the 8 other New Jersey banks between $1B and $3B

The filing

11.2%
Loans / deposits
1st of 9
0.00%
NPA / loans
1st of 9
0.0%
CRE / loans
1st of 9

Bessemer Trust Co. is the largest of the 9 New Jersey banks between $1B and $3B, with $2.36B in assets at 30 June 2026. Loans are 11.2% of deposits, the lowest in the cohort against a median of 98.1%, and equity is 5.6% of assets, 8th of 9. Loans grew -5.1% in the year, the slowest in the cohort, and deposits grew 39.5%; the cohort's median loan growth is +5.0%.

Nothing on the book is noncurrent; 0.00% is 30 to 89 days past due, and the allowance is 0.0% of loans, the lowest in the cohort. Commercial real estate is 0.0% of loans, the lowest in the cohort against a median of 39.7%, and 0% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 1.98%, 2nd of 9 against a median of 0.94%, on an efficiency ratio of 70.3%, 5th of 8. Five years ago it was 3.25%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansNJ banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 39.7% BT Bessemer Trust Co. 0.0% UC Union County Savings Bank 18.5% SS Sturdy Savings Bank 34.3% SR Somerset Regal Bank 38.1% MB Magyar Bank 39.7% PB Parke Bank 44.8% BF Blue Foundry Bank 53.8% Bo Bank of Princeton 60.6% FC First Commerce Bank 61.6%
Loans, year over yearNJ banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +5.0% FC First Commerce Bank +13.5% SR Somerset Regal Bank +13.1% UC Union County Savings Bank +8.1% MB Magyar Bank +5.2% PB Parke Bank +5.0% SS Sturdy Savings Bank +2.4% BF Blue Foundry Bank -0.3% Bo Bank of Princeton -3.7% BT Bessemer Trust Co. -5.1%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Bessemer Trust Co.RankCohort median
Total CRE against capital, the 300% screen0%1st of 9254%
Construction against capital, the 100% screen0%1st of 923%
Construction and land development, share of loans0.0%1st of 94.1%
Non-owner-occupied nonfarm nonresidential, share of loans0.0%1st of 923.0%
Total CRE, the guidance definition, share of loans0.0%1st of 939.7%
CRE growth over 36 months, the third prongno record+41.2%
Commercial real estate against capital, the 300% screenNJ banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 254% BT Bessemer Trust Co. 0% UC Union County Savings Bank 43% SS Sturdy Savings Bank 194% SR Somerset Regal Bank 225% PB Parke Bank 254% MB Magyar Bank 269% BF Blue Foundry Bank 298% Bo Bank of Princeton 382% FC First Commerce Bank 459%
CRE growth over 36 months, the guidance's third prongNJ banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +41.2% BF Blue Foundry Bank -1.9% Bo Bank of Princeton +2.5% MB Magyar Bank +31.5% PB Parke Bank +38.1% FC First Commerce Bank +44.3% SS Sturdy Savings Bank +121.9% UC Union County Savings Bank +125.5% SR Somerset Regal Bank +76696.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bessemer Trust Co.$2.36B2.0%70.3%0.00%0.00%0.0%11.2%5.6%
Parke Bank$2.30B2.2%29.6%0.27%0.10%1.7%115.2%15.5%
Bank of Princeton$2.25B1.2%60.4%0.92%-0.03%1.1%91.3%12.2%
First Commerce Bank$1.96B0.9%63.1%0.72%0.00%1.0%108.4%9.8%
Blue Foundry Bank$1.89B-1.4%111.8%0.82%0.14%0.9%135.7%14.8%
Union County Savings Bank$1.48B-1.3%no record0.91%0.00%0.6%22.9%-1.6%
Somerset Regal Bank$1.19B0.3%82.5%0.00%0.00%0.7%98.1%15.0%
Sturdy Savings Bank$1.14B0.7%72.1%0.15%0.00%0.5%63.3%8.5%
Magyar Bank$1.05B1.2%52.0%0.04%0.07%1.0%103.2%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bessemer Trust Co.Cohort median
20212026Change20212026Change
Loans$417M$246M-41%$613M$907M+48%
Deposits$768M$2.21B+187%$1.00B$1.35B+35%
NPA / loans0.00%0.00%+0.00 pts0.99%0.27%-0.73 pts
Efficiency72.2%70.3%-1.9 pts63.0%66.7%+3.7 pts
ROA3.25%1.98%-1.27 pts0.84%0.94%+0.10 pts

This read was prepared for Bessemer Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bessemer Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NJ banks $1B to $3B
Institution www.bessemertrust.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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