BlastPoint's Banking Scorecard
Peapack Private Bank & Trust
Designations: ✓ Community bank
Bedminster, NJ
19 branches across NJ · NY
Peapack Private Bank & Trust faces 3 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 0.52% below tier average
- - Net Interest Margin 0.49% below tier average
- - Efficiency Ratio 3.25% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.7B
+8.0% YoY
+2.3% QoQ
|
+$4.9B |
$2.8B
-0.1% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
Top 5.2% in tier |
| Total Loans ? |
$6.4B
+12.2% YoY
+3.0% QoQ
|
+$4.4B |
$2.0B
+0.6% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
Top 2.8% in tier |
| Total Deposits ? |
$6.8B
+8.4% YoY
+3.5% QoQ
|
+$4.5B |
$2.3B
-0.3% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
Top 4.0% in tier |
| Return on Assets ? |
0.85%
+66.6% YoY
+47.5% QoQ
|
-0.52% |
1.37%
+19.6% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
3.33%
+20.5% YoY
+13.5% QoQ
|
-0.49% |
3.82%
+6.9% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
64.31%
-13.8% YoY
-10.3% QoQ
|
+3.25% |
61.06%
-4.6% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
0.93%
-45.6% YoY
-15.6% QoQ
|
+0.04% |
0.89%
+14.1% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
93.28%
+3.5% YoY
-0.4% QoQ
|
+9.07% |
84.20%
+0.3% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
22.72%
+19.1% YoY
+3.9% QoQ
|
+1.43% |
21.29%
-2.5% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.77%
-43.5% YoY
-15.0% QoQ
|
+0.10% |
0.67%
+15.6% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
10.77%
-13.9% YoY
-6.5% QoQ
|
-4.39% |
15.16%
+2.0% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.3% in tier |
| Non-Interest Income / Assets ? |
0.30%
+13.0% YoY
-72.7% QoQ
|
+0.04% |
0.26%
+1.6% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
Top 13.8% in tier |
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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.