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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q1QoQ -4

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

Quarterly Headline

2025-Q1

Bank #236706 2025-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ -9
69
Sub-score

Liquidity is stable: brokered 9.1%, loans/deposits 90.1%, cash 3.3% of assets.

Cash / Assets
3.26%
Loans / Deposits
90.12%
Brokered %
9.08%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.41%
No watch items at this period.

Capitalization

StrongQoQ -9
85
Sub-score

Capital position is strong: Tier 1 RBC 12.52%, CET1 12.52%, leverage 9.98%.

Tier 1 RBC
12.52%
CET1
12.52%
Leverage
9.98%
No watch items at this period.

Asset Quality

StrongQoQ -1
87
Sub-score

Asset quality is strong: Adjusted NPL 1.71%, Texas Ratio 12.4%, NCO YTD 0.17%.

Adjusted NPL
1.71%
Govt-guarantees stripped
Texas Ratio
12.4%
NCO YTD
0.17%
30-89 PD
0.50%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -2
41
Sub-score

Reserves are deteriorating: ALLL 1.31% of loans, coverage 77.3%, true coverage 46.8%.

ALLL / Loans
1.31%
Coverage
77.3%
True Loss Coverage
46.8%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.8% (Adjusted NPL + Performing Mods denominator).

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