Peapack Private Bank and Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale dropped 59.4% in Q2 2026, from $8.3M to $3.4M. It was the largest change from Q1 2026 among the key lines here. Peapack Private Bank and Trust ranks 24th of 49 New Jersey banks on loan-to-deposit ratio, in the upper half at 94.54% (Q2 2026). Peapack Private Bank and Trust reported 94.54% on loan-to-deposit ratio for Q2 2026, 6.34 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.68B |
| Net loans and leases | $6.61B |
| Loans held for sale | $3.4M |
| Loans to total assets | 83.86% |
| Loan-to-deposit ratio | 94.54% |
| Net loans to equity capital | 9.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.23% |
| Multifamily (5+ residential) | 27.02% |
| Commercial and industrial | 29.42% |
| Consumer | 3.27% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 426.88% |
| Construction concentration (Tier 1 capital + allowance) | 2.77% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.56% |
| Interest income on loans | $87.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $5.49B | $5.28B | 23.87% | 23.81% | 0.94% |
| Q4 2023 | $5.44B | $5.30B | 24.24% | 23.77% | 1.02% |
| Q1 2024 | $5.36B | $5.50B | 24.07% | 23.48% | 1.14% |
| Q2 2024 | $5.27B | $5.68B | 24.10% | 23.72% | 1.23% |
| Q3 2024 | $5.32B | $5.96B | 23.50% | 24.50% | 1.38% |
| Q4 2024 | $5.52B | $6.15B | 22.72% | 27.06% | 1.32% |
| Q1 2025 | $5.76B | $6.30B | 22.23% | 28.07% | 2.37% |
| Q2 2025 | $5.82B | $6.38B | 21.75% | 28.02% | 2.35% |
| Q3 2025 | $6.03B | $6.58B | 21.80% | 28.95% | 2.79% |
| Q4 2025 | $6.26B | $6.60B | 22.23% | 29.06% | 2.94% |
| Q1 2026 | $6.44B | $6.84B | 23.47% | 29.07% | 3.22% |
| Q2 2026 | $6.68B | $7.06B | 24.23% | 29.42% | 3.27% |
Peapack Private Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peapack Private Bank and Trust, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Peapack Private Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11035) · FFIEC NIC profile (RSSD 236706)