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Bessemer Trust Company, N.A.

New York, NY · Cert 21868 · Bessemer Group Inc. the

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

67

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

7

Q2 2024Q2 2026peer median

Efficiency

17

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bessemer Trust Company, N.A.

New York, NY · Cert 21868 · Bessemer Group Inc. the

National charter · OCC · 1 affiliate bank · 1 branch (2 in holding)

Q2 2026

$4.2BAssets
$1.0BLoans
$3.2BDeposits
$415.2MEquity
Loan mix
0%RE $0.0M26%C&I $190.7M74%Consumer $547.2MQ2 2025Q2 2026
Deposit mix
99%Interest-bearing $3.2B1%Noninterest $0.0BQ2 2025Q2 2026

NIM

4.27%Q2 ’243.73%Q2 ’253.58%Q2 ’26-50%-6%

Non-interest income vs. expense

24.57%Q2 ’2416.84%Q2 ’2516.92%Q2 ’26+17%-30%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.1% share · #46 of 151 inst. · $3.2B of $2921.1B

Executive Summary

  • Earnings: ROA of 2.88%, up 20 bps year over year; NIM at 0.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.62%, down 13 bps from a year ago.
  • Funding: loans stand at 32.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.88%+20 bps YoY

Net Interest Margin (YTD, annualized)

0.77%-5 bps YoY

Efficiency Ratio (YTD, annualized)

79.39%-302 bps YoY

Tier 1 Leverage Ratio

7.62%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.68%2.80%2.96%2.46%2.88%+20 bps
Return on Equity30.41%31.63%36.75%36.90%38.18%+777 bps
Net Interest Margin0.81%0.85%0.70%0.68%0.77%-5 bps
Efficiency Ratio82.41%81.94%80.48%79.29%79.39%-302 bps
Non-Interest Burden-2.79%-2.96%-2.94%-3.26%-3.64%-84 bps
Growth
Asset Growth (YoY)42.96%31.47%67.37%8.23%6.92%-3,603 bps
Loan Growth (YoY)5.07%4.00%16.08%22.09%28.16%+2,310 bps
Deposit Growth (YoY)63.58%43.80%88.69%19.80%8.33%-5,525 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio7.74%7.97%6.55%6.68%7.62%-13 bps
Total Risk-Based Capital22.38%22.24%22.35%24.12%23.20%+83 bps
Equity / Assets9.90%8.94%5.99%7.49%9.97%+8 bps
Liquidity & Funding
Loans / Deposits27.61%24.83%16.91%21.26%32.67%+506 bps
Liquid Assets / Assets21.14%30.27%20.84%20.89%11.93%-921 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bessemer Trust Company, N.A.

New York, NY · Cert 21868 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Bessemer Group Inc. the

National charter · OCC · 1 affiliate bank · 1 branch (2 in holding)

Q2 2026

$4.2BAssets
$1.0BLoans
$3.2BDeposits
$415.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 6 of 36).
  • Widest gap: net interest margin trails 97% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 35 of 36).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

3.68%

Rank 1 of 36

Net Interest Margin

0.77%

Rank 35 of 36

Efficiency Ratio

79.39%

Rank 30 of 35

Equity / Assets

9.97%

Rank 26 of 36

Non-interest income vs. expense

$978.7M$805.6MINCOMEEXPENSE
Favorable gap of $173.1M · efficiency ratio beats 17% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 79.39%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets3.68%0.65%1.00%1.72%Beats 97%1 / 36
Return on Equity36.93%5.35%9.30%13.56%Beats 97%1 / 35
Net Interest Margin0.77%2.66%3.13%3.63%Beats 3%35 / 36
Efficiency Ratio79.39%52.19%63.09%75.14%Beats 17%30 / 35
Asset Quality
Nonperforming Loans / Loans0.00%0.46%0.84%1.59%Beats 100%6 / 36
Net Charge-Offs / Loans0.00%n/a0.03%0.14%Beats 100%11 / 36
Capital
Tier 1 Capital Ratio23.20%13.13%14.78%18.34%Beats 86%5 / 36
Total Risk-Based Capital Ratio23.20%13.73%15.96%19.27%Beats 86%5 / 36
Equity / Assets9.97%9.80%11.58%14.82%Beats 28%26 / 36
Liquidity & Funding
Loans / Deposits32.67%81.12%95.13%103.24%11th pctl32 / 36
Loans / Assets25.10%67.44%76.31%84.79%11th pctl32 / 36
Brokered Deposits / Depositsn/aNot reported for this institution