Peapack Private Bank&Trust: Bank Stress & Real-Estate Credit Exposure

Peapack Private Bank&Trust (FDIC Cert #11035) carries a DLRadar bank-stress score of 78/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Peapack Private Bank&Trust runs a compact, regionally concentrated real-estate lending footprint — 5 U.S. counties across 2 states, spanning 201 ZIP codes. The deepest footprints are New Jersey (4 counties), New York (1 county). Peapack Private Bank&Trust is held under Peapack-Gladstone Finl Corp, so its disclosures are public and its stress trajectory is externally verifiable. The combination of a severe reading and a compact footprint is what makes Peapack Private Bank&Trust worth watching as a supply signal. Rather than a standalone rating, the severe score is tied to real markets — every one of the 201 ZIP codes Peapack Private Bank&Trust lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Peapack Private Bank&Trust's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. The Peapack Private Bank&Trust score updates as fresh FDIC call reports post each quarter, so its 78/100 reading and 5-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Peapack Private Bank&Trust is directly comparable to any lender in the country. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. County by county, that footprint includes New York County, NY, Morris County, NJ, Somerset County, NJ, Union County, NJ, among others DLRadar tracks parcel by parcel.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Peapack Private Bank&Trust tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.