# BESSEMER TRUST CO
WOODBRIDGE, NJ · FDIC certificate 20015 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.36B | |
| Deposits | $2.21B | |
| Loans and leases | $246.3M | |
| Total equity | $131.6M | |
| Loans / deposits | 11.17% (p2 of band) | 87.10% |
| Liquid assets / assets | 88.70% (p99 of band) | |
| Uninsured deposits / deposits | 78.46% (p98 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.66% (p1 of band) | 10.50% |
| Unrealized securities loss / equity | -1.01% (p88 of band) | -7.75% |
| AOCI / equity | -0.01% (p73 of band) | |
| ROA (annualized) | 1.95% (p86 of band) | 1.26% |
| Net interest margin | 0.79% (p1 of band) | 3.70% |
| Efficiency ratio | 70.32% (p79 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 39.5% | |
| Employees | 173 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 3 | uninsured deposits >50%, leverage <7% |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 2 |  | leverage <7% |
| 2012-09 | 4 | deposits shrinking, assets shrinking |  |
| 2012-12 | 2 | uninsured deposits leaving | uninsured deposits >50%, deposits shrinking, assets shrinking |
| 2013-03 | 4 | uninsured deposits >50%, leverage <7%, capital falling | uninsured deposits leaving |
| 2013-06 | 3 |  | capital falling |
| 2013-09 | 2 |  | leverage <7% |
| 2013-12 | 2 |  |  |
| 2014-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 4 |  | uninsured deposits leaving |
| 2014-09 | 4 |  |  |
| 2014-12 | 4 |  |  |
| 2015-03 | 3 | capital falling | deposits shrinking, assets shrinking |
| 2015-06 | 4 | deposits shrinking, assets shrinking | capital falling |
| 2015-09 | 2 |  | deposits shrinking, assets shrinking |
| 2015-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 3 | leverage <7% | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-06 | 2 |  | leverage <7% |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | leverage <7%, capital falling |  |
| 2017-03 | 3 |  | capital falling |
| 2017-06 | 2 |  | leverage <7% |
| 2017-09 | 2 |  |  |
| 2017-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 4 |  | uninsured deposits leaving |
| 2018-06 | 3 | capital falling | deposits shrinking, assets shrinking |
| 2018-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2018-12 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-03 | 5 | capital falling, deposits shrinking, assets shrinking |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 2 |  | capital falling, deposits shrinking, assets shrinking |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 4 | deposits shrinking, assets shrinking |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 2 |  | deposits shrinking, assets shrinking |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 4 |  | NIM <2.5% |
| 2023-06 | 4 | capital falling | uninsured deposits leaving |
| 2023-09 | 1 |  | deposits shrinking, assets shrinking, capital falling |
| 2023-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2024-12 | 1 |  | deposits shrinking |
| 2025-03 | 3 | capital falling, NIM <2.5% |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | leverage <7% |  |
| 2026-06 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-08-13 [Bessemer Trust's longtime building sells for $18.67 million on Bankers Row in Palm Beach - Palm Beach Daily News](https://news.google.com/rss/articles/CBMi_AFBVV95cUxQN0JXOWVXSW5fRzBlZkthYi1DTnh4STBzZ3BFd2d0eDlFQk0tTFFOaHVSRHhabW9oM2tqX0xBNk83U2JaMVlpaDAwcWZQalpuMll6U2VmTXhGM3c5TGpWaVNfR1ZUVjNYc25aRUZEX3hqLXFtZUhOVkhUck9yVzd0RjNkN1dMUnd2a3EzQTJNenZSNE0zejlpZkFxaHdYNEN2N2FmWkROZU9yMWcyM3lIVU45bzlpSHRuV2xoSW9aN19oU0s4WDl4RHN1NFExQUMybnVtRmFfT2s4Q0s4ZHpPOEpJN21vNUVYSmpKOUsxM01JTFR1cTFUSnhqUVA?oc=5) · Palm Beach Daily News
- 1982-08-01 [Bessemer Trust: A Tradition of Conservative Cash Management - The Washington Post](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNX0E5bXdhVUxtSHJMUXN0aWpfT2xwMC0tR01yNTJDT1hHbGlQNmpkVjBYQVBFUEZzTmZTamRyd3VmYXVHVTFFdENGZjdiSy1SU0o0YnFpWDN5MDV3M3JOdnotSGVCa2dnLUx0bEtGSUdzSFlXM3Iya1NPRzJQNTdjdjdCOHdyUzc1cUdJTXctMWk4bE5VdE5xckZ3UU15Uk1BVkNpSWVPMTJ5T3pnVXhIOTlPc3VDM0VSSXJrTjktYlVONlhiN00xcmZmeTNVNnZUUDI5SkdEd000V1lEY0NMeUNUUm5GZ3lIY3RN?oc=5) · The Washington Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20015 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/47.json (key "20015", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide