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Letter portraitLegal landscapeQuarterYTD

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 $547.2MQ3 2024Q2 2026
Deposit mix
99%Interest-bearing $3.2B1%Noninterest $0.0BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.63%3.94%2.38%2.68%2.80%2.96%2.46%2.88%+20 bps
Return on Equity28.79%33.40%28.61%30.41%31.63%36.75%36.90%38.18%+777 bps
Net Interest Margin1.47%1.19%0.92%0.81%0.85%0.70%0.68%0.77%-5 bps
Efficiency Ratio83.12%81.13%82.93%82.41%81.94%80.48%79.29%79.39%-302 bps
Non-Interest Burden-3.16%-3.27%-3.06%-2.79%-2.96%-2.94%-3.26%-3.64%-84 bps
Growth
Asset Growth (YoY)11.05%41.48%85.17%42.96%31.47%67.37%8.23%6.92%-3,603 bps
Loan Growth (YoY)-0.22%1.39%7.69%5.07%4.00%16.08%22.09%28.16%+2,310 bps
Deposit Growth (YoY)14.53%59.83%105.81%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.50%8.49%8.57%7.74%7.97%6.55%6.68%7.62%-13 bps
Total Risk-Based Capital21.11%20.18%21.96%22.38%22.24%22.35%24.12%23.20%+83 bps
Equity / Assets11.22%9.39%7.50%9.90%8.94%5.99%7.49%9.97%+8 bps
Liquidity & Funding
Loans / Deposits34.33%27.49%20.86%27.61%24.83%16.91%21.26%32.67%+506 bps
Liquid Assets / Assets25.13%24.93%29.33%21.14%30.27%20.84%20.89%11.93%-921 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a