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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New Jersey, the state note

Peapack Private Bank & Trust

Bedminster, New Jersey · $7.96B in assets · beside the 9 other New Jersey banks between $3B and $10B

The filing

8.8%
Equity / assets
10th of 10
+14.7%
Loans, year over year
1st of 10, largest first
94.5%
Loans / deposits
4th of 10

Peapack Private Bank & Trust is the second largest of the 10 New Jersey banks between $3B and $10B, with $7.96B in assets at 30 June 2026. Loans are 94.5% of deposits, 4th of 10 against a median of 98.2%, and equity is 8.8% of assets, the lowest in the cohort. Loans grew +14.7% in the year, the fastest in the cohort, and deposits grew 10.7%; the cohort's median loan growth is +3.9%.

Noncurrent loans are 1.07% of the book, 7th of 10 against a median of 0.84%; 0.72% is 30 to 89 days past due, and the allowance covers them 1.0 times. Net charge-offs are 0.52% of loans, 8th of 10. Commercial real estate is 47.1% of loans, 5th of 10 against a median of 47.7%, and 406% of capital, above the 300% screen, with construction at 3% against the 100% screen.

Return on assets is 0.82%, 5th of 10 against a median of 0.74%, on an efficiency ratio of 64.2%, 6th of 10. Five years ago it was 1.06%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 4.4% of loans).

Equity as a share of assetsNJ banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 11.3% SM Sumitomo Mitsui Trust Bank U Sa 13.9% CR Cross River Bank 12.1% SS Spencer Savings Bank Sla 11.9% UB Unity Bank 11.7% AB Amboy Bank 11.6% FB First Bank 11.1% BC BCB Community Bank 10.7% KB Kearny Bank 9.4% MB Manasquan Bank 9.3% PP Peapack Private Bank & Trust 8.8%
Loans, year over yearNJ banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.9% PP Peapack Private Bank & Trust +14.7% UB Unity Bank +12.6% MB Manasquan Bank +6.9% AB Amboy Bank +4.8% CR Cross River Bank +4.5% SS Spencer Savings Bank Sla +3.3% FB First Bank +1.3% KB Kearny Bank +1.1% BC BCB Community Bank -9.2% SM Sumitomo Mitsui Trust Bank U Sa -21.8%

SBA 7(a), FY2008 to FY2026

Peapack Private Bank & Trust is the 13th largest 7(a) lender into New Jersey of 308, with $228M across 251 loans, 1.7% of everything approved in the state (TD Bank, National Association leads with $1.08B). 27 of its 63 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New Jersey, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Middlesex, NJ$32M8th of 1502.5%-5.0 pts
New York, NY$26M25th of 2080.9%-1.4 pts
Somerset, NJ$20M5th of 1173.7%+1.8 pts
Monmouth, NJ$19M13th of 1601.8%-3.2 pts
Burlington, NJ$19M8th of 1262.5%+4.1 pts
Bergen, NJ$18M26th of 1611.0%-1.5 pts
Monroe, PA$17M1st of 6712.7%quiet FY2022
Camden, NJ$16M12th of 1261.9%-2.6 pts
Morris, NJ$15M16th of 1261.7%-0.2 pts
Ocean, NJ$14M16th of 1191.7%+2.0 pts
Onondaga, NY$14M8th of 903.0%quiet FY2020
Essex, NJ$12M24th of 1381.3%-5.1 pts
Suffolk, NY$12M34th of 1740.7%-2.8 pts
50 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services101$162M39.1%0.21%103rd of 2,596
Retail trade86$84M20.3%0.14%124th of 2,589
Manufacturing26$36M8.7%0.09%199th of 2,246
Professional & technical services30$29M7.0%0.09%146th of 1,955
Health care & social assistance28$22M5.3%0.05%244th of 2,172
7(a) lenders into New Jersey, share of approvals since FY2008308 lenders on record; the ten largest and Peapack Private
TB TD Bank, National Association 8.2% $1.08B · 7,092 loans FB Fulton Bank, National Association 6.7% $893M · 1,041 loans LO Live Oak Banking Company 4.3% $576M · 466 loans PB Provident Bank 4.3% $570M · 827 loans WF Wells Fargo Bank National Associa… 2.8% $364M · 1,445 loans UB Unity Bank 2.4% $322M · 413 loans N Newbank 2.2% $297M · 490 loans WS Wilmington Savings Fund Society F… 2.2% $296M · 379 loans TB The Bank of Princeton 2.2% $296M · 411 loans JC JPMorgan Chase Bank, National Ass… 2.2% $288M · 1,832 loans PP Peapack Private Bank and Trust 1.7% $228M · 251 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Peapack PrivateRankCohort median
Total CRE against capital, the 300% screen406%7th of 10368%
Construction against capital, the 100% screen3%2nd of 1028%
Construction and land development, share of loans0.3%2nd of 103.9%
Non-owner-occupied nonfarm nonresidential, share of loans19.8%4th of 1022.8%
Total CRE, the guidance definition, share of loans47.1%5th of 1047.7%
CRE growth over 36 months, the third prong+6.9%5th of 9+6.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Cross River Bank$8.53B0.1%83.0%2.79%2.69%1.4%89.0%12.1%
Peapack Private Bank & Trust$7.96B0.8%64.2%1.07%0.52%1.0%94.5%8.8%
Kearny Bank$7.67B0.5%71.9%0.81%0.02%0.8%102.5%9.4%
First Bank$4.09B0.9%56.0%0.86%0.39%1.4%101.5%11.1%
Spencer Savings Bank Sla$4.04B0.6%66.8%0.58%0.02%0.8%108.3%11.9%
Sumitomo Mitsui Trust Bank U Sa$3.92B1.7%51.7%0.00%0.00%0.0%0.0%13.9%
Manasquan Bank$3.59B0.7%59.8%0.64%0.28%0.8%96.1%9.3%
Unity Bank$3.18B2.0%41.3%1.23%-0.01%1.3%108.9%11.7%
Amboy Bank$3.12B2.6%34.2%0.30%-0.12%1.7%74.0%11.6%
BCB Community Bank$3.12B-0.5%75.2%2.85%0.79%1.7%100.3%10.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Peapack PrivateCohort median
20212026Change20212026Change
Loans$4.58B$6.68B+46%$2.20B$3.14B+43%
Deposits$4.95B$7.06B+43%$2.64B$3.22B+22%
NPA / loans0.25%1.07%+0.82 pts0.55%0.84%+0.29 pts
Efficiency57.8%64.2%+6.4 pts53.8%62.0%+8.2 pts
ROA1.06%0.82%-0.24 pts1.14%0.74%-0.39 pts

This read was prepared for Peapack Private Bank & Trust's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Peapack Private Bank & Trust is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NJ banks $3B to $10B
Institution www.peapackprivate.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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