BlastPoint's Banking Scorecard
Peapack Private Bank & Trust
Designations: ✓ Community bank
Bedminster, NJ
19 branches across NJ · NY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in NJ.
- Deposits +10.7% year over year ($7.1B on the books).
- Delinquency rate 1.08%.
- Return on assets 0.84%.
- Efficiency ratio 64.22% vs a 59.73% peer average.
- Loan-to-deposit ratio 93.57% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peapack Private Bank & Trust faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Net Interest Margin 0.52% below tier average
- - Efficiency Ratio 4.49% above tier average
- - Delinquency Rate 0.21% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.0B
+10.7% YoY
+3.6% QoQ
|
+$5.2B |
$2.8B
-0.6% YoY
|
$4.4B
+7.9% YoY
|
$6.3B
+7.7% YoY
|
Top 4.2% in tier |
| Total Loans ? |
$6.6B
+15.1% YoY
+3.7% QoQ
|
+$4.6B |
$2.0B
-0.3% YoY
|
$3.3B
+6.8% YoY
|
$3.2B
+9.4% YoY
|
Top 2.0% in tier |
| Total Deposits ? |
$7.1B
+10.7% YoY
+3.3% QoQ
|
+$4.7B |
$2.3B
-0.5% YoY
|
$3.6B
+8.2% YoY
|
$4.9B
+7.3% YoY
|
Top 2.9% in tier |
| Return on Assets ? |
0.84%
+66.9% YoY
-1.0% QoQ
|
-0.55% |
1.39%
+17.0% YoY
|
0.53%
-11.1% YoY
|
1.30%
+12.1% YoY
|
20% |
| Net Interest Margin ? |
3.35%
+19.2% YoY
+0.6% QoQ
|
-0.52% |
3.87%
+6.2% YoY
|
3.11%
+4.3% YoY
|
3.95%
+4.9% YoY
|
28% |
| Efficiency Ratio ? |
64.22%
-12.9% YoY
-0.1% QoQ
|
+4.49% |
59.73%
-12.6% YoY
|
78.52%
+3.6% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
1.08%
-46.1% YoY
+16.0% QoQ
|
+0.21% |
0.87%
+11.7% YoY
|
0.69%
-16.2% YoY
|
0.98%
+16.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
93.57%
+3.9% YoY
+0.3% QoQ
|
+8.53% |
85.04%
-0.1% YoY
|
81.90%
-3.2% YoY
|
79.03%
+2.3% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
23.08%
+17.4% YoY
+1.6% QoQ
|
+1.81% |
21.27%
-1.5% YoY
|
16.56%
-0.1% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.91%
-43.2% YoY
+17.6% QoQ
|
+0.23% |
0.67%
+11.7% YoY
|
0.61%
-0.3% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
10.60%
-13.7% YoY
-1.6% QoQ
|
-4.24% |
14.84%
-0.4% YoY
|
19.31%
+2.7% YoY
|
17.09%
+0.8% YoY
|
Bottom 11.8% in tier |
| Non-Interest Income / Assets ? |
0.56%
+1.3% YoY
+90.5% QoQ
|
+0.04% |
0.53%
+2.5% YoY
|
0.77%
-2.9% YoY
|
0.66%
+5.2% YoY
|
84% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.1%
+3.4pp YoY +0.4pp QoQ |
+1.7pp | 21.4% | 16.6% | 22.2% | 64% |
| Brokered Deposits |
12.2%
+4.8pp YoY -0.4pp QoQ |
+2.7pp | 9.5% | 10.1% | 8.5% | 75% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
29.7%
+1.3pp YoY +0.3pp QoQ |
+15.7pp | 14.0% | 6.5% | 12.5% | 91% |
| CRE |
52.1%
-1.5pp YoY -0.5pp QoQ |
+2.1pp | 50.0% | 56.3% | 41.4% | 57% |
| 1-4 Family |
11.0%
-1.0pp YoY -0.2pp QoQ |
-15.5pp | 26.4% | 39.4% | 31.3% | 19% |
| Consumer |
3.3%
+0.9pp YoY 0.0pp QoQ |
-1.4pp | 4.7% | 4.3% | 5.0% | 75% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.6%
-1.7pp YoY -0.2pp QoQ |
-5.0pp | 15.6% | 18.8% | 19.7% | 4% |
| Leverage Ratio |
9.0%
-1.0pp YoY -0.1pp QoQ |
-2.4pp | 11.3% | 13.4% | 12.6% | 10% |
| Total Capital Ratio |
11.7%
-1.9pp YoY -0.2pp QoQ |
-5.0pp | 16.7% | 19.8% | 20.8% | 5% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
683
+13 (+1.9%) YoY +8 (+1.2%) QoQ |
+369 | 313 | 336 | 482 | 92% |
| Assets per Employee ($) |
$11.7M
+8.5% YoY +2.3% QoQ |
+$1.2M | $10.5M | $11.2M | $8.8M | 76% |
| Branch Count |
19
0 YoY 0 QoQ |
-1 | 20 | 20 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.1pp | 0.2% | 0.1% | 0.4% | 63% |
| Nonaccrual |
1.0%
-1.0pp YoY +0.1pp QoQ |
+0.2pp | 0.8% | 0.8% | 1.0% | 75% |
| Allowance Coverage |
0.97x
+36.3% YoY -14.2% QoQ |
-17.74x | 18.71x | 6.57x | 20.23x | 22% |
| Net Charge-off Rate (YTD) |
0.5%
+0.5pp YoY -0.2pp QoQ |
+0.3pp | 0.3% | 0.2% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.2%
+4.1pp YoY +0.1pp QoQ |
-3.4pp | 12.6% | 6.4% | 11.6% | 27% |
| Cost of Funds (YTD) |
1.9%
-0.5pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.9% | 1.7% | 48% |
| Net Income ($, YTD) |
$32.4M
+81.3% YoY — QoQ |
+$13.1M | $19.2M | $19.8M | $40.4M | 83% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.