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Peapack Private Bank & Trust
Bedminster, NJ·FDIC Cert #11035·Charter: STATE·Est. 19210921.0·HC: PEAPACK-GLADSTONE FINL CORP
Total Assets
$7.5B
Q4 2025
Return on Assets
0.57%
+0.05%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
71.66%
Peer avg: 57.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
48
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.57%+0.05
ROE
5.84%+0.48
Efficiency
71.66%-1.68
Equity/Assets
0.00%+0.00
NPL Ratio
1.10%-0.31
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
93.68%+3.11
Charge-offs
0.43%-0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.6 | 0.6 | 0.6 | 0.5 | 0.5 | 0.5 | 0.6 |
| ROE | 5.8 | 5.5 | 5.3 | 5.5 | 5.1 | 5.1 | 5.4 | 5.8 |
| Efficiency | 72.4 | 72.8 | 74.2 | 74.5 | 74.6 | 73.7 | 73.3 | 71.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.3 | 1.6 | 1.5 | 1.8 | 1.7 | 2.0 | 1.4 | 1.1 |
| Charge-offs | 0.0 | 0.1 | 0.0 | 0.0 | 0.2 | 0.1 | 0.5 | 0.4 |
| Loan/Deposit | 96.3 | 91.6 | 88.1 | 88.6 | 90.1 | 90.0 | 90.6 | 93.7 |
Balance Sheet
Total Assets$7.5B
Total Deposits$6.6B
Total Loans$6.2B
Total Equity$733.4M
Profitability
ROA0.57%
ROE5.84%
Efficiency Ratio71.66%
Net Income$41.6M
Risk & Asset Quality
NPL Ratio1.10%
Charge-off Rate0.43%
Loan/Deposit93.68%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans