Peapack Private Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
Peapack Private Bank and Trust is an FDIC-insured commercial bank headquartered in Bedminster, NJ, established in 1921 (FDIC certificate 11035), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $7.96B, up 10.7% from Q2 2025, the 7th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 10.60% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 11035
- Headquarters
- Bedminster, NJ
- Established
- 1921
- Total assets, Q2 2026
- $7.96B
- Assets vs Q2 2025
- +10.7%
- CET1 ratio, Q2 2026
- 10.60%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 021205237
- Latest call report
- Q2 2026, FFIEC 041 · Peapack Private Bank and Trust call report
- Holding company
- PEAPACK-GLADSTONE FINANCIAL CORPORATION
- Asset rank in state
- 7th of 49 in New Jersey
Peapack Private Bank and Trust operates with a thinner capital cushion than most banks of its size. The Bedminster, New Jersey bank had $8.0 billion in assets at June 30, 2026, up 10.7% from a year earlier. It holds common equity equal to 10.60% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also holds commercial real estate loans worth 4.3 times its capital, about double the median of 2.2 times for banks its size. It has also been growing, with assets up 10.7% in a year.
Earnings jumped: net income for the quarter was $16 million, 83% above the same quarter a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.07% of loans from 1.97%. Credit is the area to watch: it carries problem assets equal to 10.0% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Peapack Private Bank and Trust reported a CET1 capital ratio of 10.60%, a return on assets of 0.82%, a nonperforming-loan ratio of 1.07% and a Texas ratio of 9.97%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Peapack Private Bank and Trust is the 7th largest of the 49 banks headquartered in New Jersey. From Q1 2026 to Q2 2026, its total assets rose 3.6% to $7.96B, loans rose 3.7% and deposits rose 3.3%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 29.4% of total loans, ahead of multifamily loans at 27.0%. The FDIC Summary of Deposits lists 19 offices for it, in 17 cities across 2 states; its New York office books 38% of its branch deposits. Judged on its Q2 2026 call report, Peapack Private Bank and Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 500 Hills Drive Suite 300, Bedminster, NJ 07921
- County
- Somerset
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 21, 1921
- Former names
- Peapack Private Bank & Trust (2025)
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 683
- Domestic deposits
- $7.06B
- Allowance for credit losses
- $69.2M
- Net charge-offs (YTD)
- $17.2M
- Average total assets
- $7.92B
- Average total loans
- $6.27B
- Average interest-bearing deposits
- $6.54B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11035
- Fed RSSD
- 236706
- SEC CIK
- 1050743 → filed by PEAPACK-GLADSTONE FINANCIAL CORPORATION
- Website
- www.peapackprivate.com →
- Parent Holding Company
- PEAPACK-GLADSTONE FINANCIAL CORPORATION (RSSD 2651590) · PGC
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Peapack Private Bank and Trust's total assets ranged from $6.41B (Q1 2024) to $7.96B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$7.96B total assets against $7.20B; $7.26B total liabilities against $6.49B.
$6.61B net loans and leases against $5.74B; $7.06B total deposits against $6.38B.
$844.3M securities against $879.4M; $253.9M cash and balances due against $315.6M.
$100.2M total interest income against $89.7M; $36.3M total interest expense against $40.4M.
$63.9M net interest income against $49.2M.
$22.2M total noninterest income against $21.4M; $55.2M total noninterest expense against $51.5M.
$8.1M provision for credit losses against $6.6M.
$16.3M net income against $8.9M.
0.82% return on assets against 0.49%; 3.29% net interest margin against 2.80%.
10.60% CET1 capital ratio against 12.29%; 8.96% tier 1 leverage ratio against 9.99%.
Inside the full Peapack Private Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Peapack Private Bank and Trust rankings
Its closest position to the top of a national ranking is 194 of 4,196, for total assets; its furthest is 2,030 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.49% (Q2 2025) to 0.84% (Q1 2026) and its net interest margin ran from 2.44% (Q3 2024) to 3.29% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.60% | 0.82% | 1.07% | 9.97% | 3.29% |
| Q1 2026 | 10.77% | 0.84% | 0.92% | 8.42% | 3.27% |
| Q4 2025 | 11.52% | 0.70% | 1.09% | 8.99% | 3.14% |
| Q3 2025 | 11.70% | 0.58% | 1.40% | 11.36% | 2.87% |
| Q2 2025 | 12.29% | 0.49% | 1.97% | 15.52% | 2.80% |
| Q1 2025 | 12.52% | 0.51% | 1.69% | 13.39% | 2.72% |
| Q4 2024 | 13.50% | 0.62% | 1.81% | 13.54% | 2.55% |
| Q3 2024 | 13.75% | 0.54% | 1.51% | 10.86% | 2.44% |
Swipe the table sideways to see every column.
Branch Network
View all 19 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 300 Park Avenue Branch | New York , NY | 10022 | $2.65B |
| Peapack Private Bank & Trust | Bedminster , NJ | 07921 | $712.5M |
| Pluckemin Branch | Bedminster , NJ | 07921 | $539.7M |
| Morristown Branch | Morristown , NJ | 07960 | $368.9M |
| Peapack Private Bank & Trust Branch | Garden City , NY | 11530 | $326.2M |
| Bridgewater Branch | Bridgewater , NJ | 08807 | $279.0M |
| Bernardsville Branch | Bernardsville , NJ | 07924 | $277.7M |
| Summit-Deforest Branch | Summit , NJ | 07901 | $274.2M |
| Boonton Branch | Boonton , NJ | 07005 | $269.1M |
| Green Village Branch | Green Village , NJ | 07935 | $262.6M |
| Warren Branch | Warren , NJ | 07059 | $255.4M |
| Oldwick Branch | Oldwick , NJ | 08858 | $226.2M |
| Mendham Branch | Mendham , NJ | 07945 | $156.4M |
| Chester Branch | Chester , NJ | 07930 | $130.2M |
| Clinton Branch | Clinton , NJ | 08809 | $119.1M |
| Califon Branch | Califon , NJ | 07830 | $113.6M |
| Long Valley Branch | Long Valley , NJ | 07853 | $100.7M |
| Pgb Mobile Services | Bedminster , NJ | 07921 | $7K |
| Peapack-Gladstone Main Branch | Gladstone , NJ | 07934 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 8, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 8, 2000 | Structure Change | Acquired Chatham Savings, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in NJ, rank 19 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 30 loans, $26.1M approved, $869K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Peapack Private Bank and Trust
What are Peapack Private Bank and Trust's total assets?
As of the Q2 2026 filing, Peapack Private Bank and Trust reported total assets of $7.96 billion in its FFIEC call report.
Where is Peapack Private Bank and Trust headquartered?
It is headquartered in Bedminster, NJ, United States.
When was Peapack Private Bank and Trust founded?
It was established in 1921, per the FDIC institution directory.
Is Peapack Private Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11035). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peapack Private Bank and Trust?
Peapack Private Bank and Trust's primary federal regulator is the Federal Reserve.
What is Peapack Private Bank and Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.60% in its Q2 2026 call report, above regulatory requirements.
How many branches does Peapack Private Bank and Trust operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peapack Private Bank and Trust's Texas Ratio?
Its Texas Ratio is 9.97% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Peapack Private Bank and Trust previously called?
The charter now named Peapack Private Bank and Trust has also operated as Peapack Private Bank & Trust (2025), per FDIC structure-change records.
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