Peapack Private Bank and Trust: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 6.9% to $36.3M. Within New Jersey, Peapack Private Bank and Trust is 21st of 49 on net interest margin, 3.29% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Peapack Private Bank and Trust sits 0.42 points lower, at 3.29% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.16% |
| Yield on loans | 5.56% |
| Yield on securities | 3.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.70% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | 4.10% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.29% |
| Yield to cost spread | 2.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $87.5M |
| Total interest expense | $36.3M |
| Interest expense on deposits | $36.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.88% | 2.50% | 2.38% | 5.24% | 2.31% |
| Q4 2023 | 5.01% | 2.61% | 2.40% | 5.38% | 2.35% |
| Q1 2024 | 5.00% | 2.72% | 2.28% | 5.38% | 2.39% |
| Q2 2024 | 5.01% | 2.69% | 2.32% | 5.39% | 2.50% |
| Q3 2024 | 5.16% | 2.70% | 2.44% | 5.56% | 2.76% |
| Q4 2024 | 5.06% | 2.47% | 2.55% | 5.48% | 2.93% |
| Q1 2025 | 5.00% | 2.25% | 2.72% | 5.40% | 3.14% |
| Q2 2025 | 5.11% | 2.30% | 2.80% | 5.50% | 3.18% |
| Q3 2025 | 5.16% | 2.24% | 2.87% | 5.56% | 3.08% |
| Q4 2025 | 5.14% | 1.95% | 3.14% | 5.54% | 3.06% |
| Q1 2026 | 5.08% | 1.74% | 3.27% | 5.45% | 3.00% |
| Q2 2026 | 5.16% | 1.78% | 3.29% | 5.56% | 3.03% |
Peapack Private Bank and Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peapack Private Bank and Trust, freeSource: Call Report Schedules RI and RC-K, 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)