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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q3QoQ -5

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

Quarterly Headline

2025-Q3

Bank #236706 2025-Q3 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.0% (Adjusted NPL + Performing Mods denominator).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.21% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ -2
70
Sub-score

Liquidity is stable: brokered 11.6%, loans/deposits 90.6%, cash 4.7% of assets.

Cash / Assets
4.67%
Loans / Deposits
90.57%
Brokered %
11.57%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.31%
No watch items at this period.

Capitalization

StableQoQ -7
75
Sub-score

Capital position is stable: Tier 1 RBC 11.70%, CET1 11.70%, leverage 9.83%.

Tier 1 RBC
11.70%
CET1
11.70%
Leverage
9.83%
No watch items at this period.

Asset Quality

StrongQoQ -5
81
Sub-score

Asset quality is strong: Adjusted NPL 1.41%, Texas Ratio 10.6%, NCO YTD 1.21%.

Adjusted NPL
1.41%
Govt-guarantees stripped
Texas Ratio
10.6%
NCO YTD
1.21%
30-89 PD
0.48%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.21% of loans.

Reserves

RiskQoQ -6
32
Sub-score

Reserves are weak: ALLL 1.14% of loans, coverage 81.6%, true coverage 37.0%.

ALLL / Loans
1.14%
Coverage
81.6%
True Loss Coverage
37.0%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.0% (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