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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q2QoQ 0

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

Quarterly Headline

2024-Q2

Bank #236706 2024-Q2 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 Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -10

The five pillars

Liquidity

StableQoQ +6
76
Sub-score

Liquidity is stable: brokered 3.3%, loans/deposits 91.6%, cash 4.9% of assets.

Cash / Assets
4.86%
Loans / Deposits
91.63%
Brokered %
3.33%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.62%
No watch items at this period.

Capitalization

StrongQoQ -2
98
Sub-score

Capital position is strong: Tier 1 RBC 14.05%, CET1 14.05%, leverage 11.05%.

Tier 1 RBC
14.05%
CET1
14.05%
Leverage
11.05%
No watch items at this period.

Asset Quality

StrongQoQ +2
88
Sub-score

Asset quality is strong: Adjusted NPL 1.58%, Texas Ratio 10.4%, NCO YTD 0.16%.

Adjusted NPL
1.58%
Govt-guarantees stripped
Texas Ratio
10.4%
NCO YTD
0.16%
30-89 PD
0.67%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -10
49
Sub-score

Reserves are deteriorating: ALLL 1.29% of loans, coverage 82.8%, true coverage 62.4%.

ALLL / Loans
1.29%
Coverage
82.8%
True Loss Coverage
62.4%
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