Total Assets
$1.9B
Total balance-sheet footings
FDIC Cert #20015 · Woodbridge, New Jersey · Est. 1907
Bessemer Trust Company - FDIC Bank Health Profile
A community-scale look at Bessemer Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.9B
- Total assets
- A
- Health grade · Excellent
- 2.64%
- Return on assets
- 49.4%
- Tier 1 capital
Data updated July 2026
The verdict
Bessemer Trust Company earns a PlainBankData health grade of A (93/100), with well-capitalized at 49.45% Tier 1, profitable at 2.64% ROA, 67% efficiency ratio.
- #634
- largest of 4,313 FDIC banks by assets
- 85th
- percentile by asset size, nationally
- 49.45%
- Tier 1 ratio - above the 10% well-capitalized line
- 97th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Bessemer Trust Company's 93/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bessemer Trust Company's composite health score
Tier 1 Capital Ratio (49.45%) 40/40
Return on Assets (ROA) (2.64%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (67.17%) 8/15
93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.7B
Customer-funded liabilities
Net Loans
$258M
Outstanding loan book
Net Income
$38M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bessemer Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bessemer Trust Company's score of 93/100 falls in the highlighted band.
Bessemer Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bessemer Trust Company's $1.9B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
49.45% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
49.45%
Texas Ratio
0.00%
Equity Capital
$124M
Profitability metrics
Return on Assets (ROA)
97th percentile nationally
2.64%
Return on Equity (ROE)
31.34%
Efficiency Ratio
67.17%
What the numbers say about Bessemer Trust Company
Bessemer Trust Company is an FDIC-insured institution (Certificate #20015) headquartered in Woodbridge, New Jersey, established in 1907. It holds $1.9B in total assets - 634th of 4,313 FDIC-insured banks, $1.7B in customer deposits, and $258M in net loans. Capital-wise, the Tier 1 ratio sits at 49.45%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (93 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bessemer Trust Company sits 19th of 51 banks headquartered in New Jersey by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$63M
Interest Income
$141M
Non-Interest Income
$105M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bessemer Trust Company reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Jersey by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bessemer Trust Company (FDIC Cert #20015) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Valley National BankPassaic | $64.1B | B | 0.99% |
| Provident BankJersey City | $24.9B | A | 1.28% |
| OceanFirst Bank, National AssociationToms River | $14.5B | B | 0.61% |
| ConnectOne BankEnglewood Cliffs | $14.0B | A | 0.77% |
| Columbia BankFair Lawn | $11.0B | B | 0.48% |
| Cross River BankFort Lee | $8.1B | C | 0.29% |
| Kearny BankKearny | $7.6B | C | 0.43% |
| Peapack Private Bank & TrustBedminster | $7.5B | C | 0.57% |
Frequently asked questions
What is Bessemer Trust Company's health grade?▼
Bessemer Trust Company receives a health grade of A (93/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Bessemer Trust Company?▼
Bessemer Trust Company holds $1.9B in total assets and $1.7B in deposits, ranking 634th of 4,313 FDIC-insured banks by asset size. It is headquartered in Woodbridge, New Jersey.
Is my money safe at Bessemer Trust Company?▼
Yes, deposits at Bessemer Trust Company (Certificate #20015) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bessemer Trust Company's Tier 1 Capital Ratio?▼
Bessemer Trust Company has a Tier 1 Capital Ratio of 49.45%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bessemer Trust Company?▼
Bessemer Trust Company has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bessemer Trust Company?▼
Bessemer Trust Company has an Efficiency Ratio of 67.17%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bessemer Trust Company's profile as a depositor or analyst.
- Bessemer Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bessemer Trust Company against other New Jersey banks before moving funds. New Jersey banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.