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Peapack Private Bank and Trust

Bedminster, NJ · Cert 11035 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Peapack-Gladstone Finl Corp.

State charter, Fed member · FED · 19 branches

Q2 2026

$8.0BAssets
$6.7BLoans
$7.1BDeposits
$700.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 53% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 36).
  • Widest gap: equity / assets trails 94% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 34 of 36).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.81%

Rank 22 of 36

Net Interest Margin

3.17%

Rank 17 of 36

Efficiency Ratio

64.22%

Rank 19 of 35

Equity / Assets

8.79%

Rank 34 of 36

Non-interest income vs. expense

$89.8M$218.3MINCOMEEXPENSE
Unfavorable gap of $128.4M · efficiency ratio beats 49% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 64.22%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.81%0.65%1.00%1.72%Beats 39%22 / 36
Return on Equity9.25%5.35%9.30%13.56%Beats 46%19 / 35
Net Interest Margin3.17%2.66%3.13%3.63%Beats 53%17 / 36
Efficiency Ratio64.22%52.19%63.09%75.14%Beats 49%19 / 35
Asset Quality
Nonperforming Loans / Loans1.07%0.46%0.84%1.59%Beats 42%22 / 36
Net Charge-Offs / Loans0.26%n/a0.03%0.14%Beats 14%32 / 36
Capital
Tier 1 Capital Ratio10.60%13.13%14.78%18.34%Beats 6%34 / 36
Total Risk-Based Capital Ratio11.65%13.73%15.96%19.27%Beats 6%34 / 36
Equity / Assets8.79%9.80%11.58%14.82%Beats 6%34 / 36
Liquidity & Funding
Loans / Deposits94.54%81.12%95.13%103.24%47th pctl19 / 36
Loans / Assets83.86%67.44%76.31%84.79%69th pctl11 / 36
Brokered Deposits / Depositsn/aNot reported for this institution