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Peapack Private Bank And Trust

IDRSSD: 236706
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q1QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #236706 2024-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ +3
69
Sub-score

Liquidity is stable: brokered 2.8%, loans/deposits 96.3%, cash 3.0% of assets.

Cash / Assets
3.04%
Loans / Deposits
96.30%
Brokered %
2.83%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.66%
No watch items at this period.

Capitalization

StrongQoQ +2
99
Sub-score

Capital position is strong: Tier 1 RBC 13.86%, CET1 13.86%, leverage 10.94%.

Tier 1 RBC
13.86%
CET1
13.86%
Leverage
10.94%
No watch items at this period.

Asset Quality

StrongQoQ -2
86
Sub-score

Asset quality is strong: Adjusted NPL 1.32%, Texas Ratio 9.0%, NCO YTD 0.02%.

Adjusted NPL
1.32%
Govt-guarantees stripped
Texas Ratio
9.0%
NCO YTD
0.02%
30-89 PD
1.39%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -11
59
Sub-score

Reserves are deteriorating: ALLL 1.24% of loans, coverage 94.9%, true coverage 80.6%.

ALLL / Loans
1.24%
Coverage
94.9%
True Loss Coverage
80.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 08:59:55 UTC