Peapack Private Bank and Trust: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 3.65% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 3.65% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 10.60% +4.10 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $705.5M | 705,452 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.65B | 6,653,294 | RCOAA223 |
| Recomputed ratio | 10.60% | numerator / denominator | |
| Filed ratio | 10.60% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +4.10 pp | $273.0M | capital that could be lost first |
Tier 1 risk-based capital ratio 10.60% +2.60 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $705.5M | 705,511 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.65B | 6,653,294 | RCOAA223 |
| Recomputed ratio | 10.60% | numerator / denominator | |
| Filed ratio | 10.60% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +2.60 pp | $173.2M | capital that could be lost first |
Total risk-based capital ratio 11.65% +1.65 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $775.4M | 775,370 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $6.65B | 6,653,294 | RCOAA223 |
| Recomputed ratio | 11.65% | numerator / denominator | |
| Filed ratio | 11.65% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +1.65 pp | $110.0M | capital that could be lost first |
Tier 1 leverage ratio 8.96% +3.96 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $705.5M | 705,511 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $7.88B | 7,877,308 | RCOAA224 |
| Recomputed ratio | 8.96% | numerator / denominator | |
| Filed ratio | 8.96% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.96 pp | $311.6M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 127,716 | 125,894 | 191,101 | 191,447 | 194,061 | 197,170 | RCOAP742 |
| Retained earnings | 622,284 | 605,996 | 589,901 | 576,719 | 566,125 | 557,240 | RCOAKW00 |
| Accumulated other comprehensive income | (49,761) | (49,629) | (47,561) | (50,481) | (55,581) | (57,717) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 700,239 | 682,261 | 733,441 | 717,685 | 704,605 | 696,693 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 5,213 | 4,800 | 2,431 | 4,993 | 9,754 | 11,577 | P859 - P840 |
| Common equity Tier 1 capital | 705,452 | 687,061 | 735,872 | 722,678 | 714,359 | 708,270 | RCOAP859 |
| Additional Tier 1 capital | 59 | 59 | 59 | 6 | 6 | 6 | RCOAP865 |
| Tier 1 capital | 705,511 | 687,120 | 735,931 | 722,684 | 714,365 | 708,276 | RCOA8274 |
| Tier 2 capital | 69,859 | 67,641 | 71,649 | 69,240 | 72,805 | 70,791 | RCOA5311 |
| Allowance includable in Tier 2 capital | 69,859 | 67,641 | 71,649 | 69,240 | 72,805 | 70,791 | RCOA5310 |
| Total capital | 775,370 | 754,761 | 807,580 | 791,924 | 787,170 | 779,067 | RCOA3792 |
| Total risk-weighted assets | 6,653,294 | 6,377,924 | 6,388,960 | 6,178,607 | 5,814,751 | 5,658,314 | RCOAA223 |
| Average total assets for the leverage ratio | 7,877,308 | 7,614,229 | 7,443,908 | 7,307,717 | 7,147,921 | 7,048,718 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $253.9M | $688K | 0.27% | 0.01% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $916.3M | $131.6M | 14.36% | 1.98% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $1.80B | $979.4M | 54.37% | 14.72% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $23.4M | $35.1M | 150.00% | 0.53% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $4.85B | $4.79B | 98.59% | 71.93% | RC-R Part II, item 4.d, 5.d |
| All other assets | $183.9M | $166.1M | 90.32% | 2.50% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $542.6M | $542.6M | 100.00% | 8.16% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $21.6M | $8.3M | 38.35% | 0.12% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $4.1M | NA | 0.06% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $6.65B | ties to item 31 ($6.65B) |
|---|---|---|
| Risk-weighted assets before deductions | $6.65B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $6.65B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 10.60% | 10.60% | 11.65% | 8.96% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 10.77% | 10.77% | 11.83% | 9.02% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.52% | 11.52% | 12.64% | 9.89% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.70% | 11.70% | 12.82% | 9.89% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.29% | 12.29% | 13.54% | 9.99% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.52% | 12.52% | 13.77% | 10.05% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 13.50% | 13.50% | 14.75% | 10.57% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 13.75% | 13.75% | 15.00% | 10.99% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 14.05% | 14.05% | 15.30% | 11.14% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 13.86% | 13.86% | 15.11% | 11.02% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 13.47% | 13.48% | 14.73% | 10.83% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 13.22% | 13.22% | 14.47% | 10.75% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Peapack Private Bank and Trust (this bank) | Risk-based | 10.60% | 10.60% | 11.65% | 8.96% | |
| Hanmi Bank | $7.95B | Risk-based | 13.40% | 13.40% | 14.48% | 11.71% |
| Bankers Trust Company | $7.83B | Risk-based | 10.95% | 11.03% | 12.25% | 10.10% |
| Univest Bank and Trust Co. | $8.17B | Risk-based | 10.76% | 10.76% | 12.01% | 9.73% |
| Stockman Bank of Montana | $7.75B | Risk-based | 12.01% | 12.01% | 13.27% | 9.89% |
| Bangor Savings Bank | $7.74B | Risk-based | 10.38% | 10.38% | 11.14% | 7.79% |
| Preferred Bank | $7.73B | Risk-based | 11.06% | 11.06% | 13.74% | 10.55% |
| Equity Bank | $7.71B | Risk-based | 13.08% | 13.08% | 14.22% | 10.64% |
| Kearny Bank | $7.67B | Risk-based | 13.44% | 13.44% | 14.38% | 8.83% |
| Ocean Bank | $7.63B | Risk-based | 11.41% | 11.41% | 12.66% | 9.96% |
| Peer 25th percentile | 10.95% | 11.03% | 12.25% | 9.73% | ||
| Peer median | 11.41% | 11.41% | 13.27% | 9.96% | ||
| Peer 75th percentile | 13.08% | 13.08% | 14.22% | 10.55% | ||
| This bank's percentile | 11 | 11 | 11 | 22 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/236706/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.