Peapack-Gladstone Bank
Bedminster, New Jersey · FDIC Cert #11035
Peapack-Gladstone Bank is an FDIC-insured bank (Certificate #11035) with $6.5B in total assets and $5.7B in total deposits as of the Q2 2024 Call Report. Headquartered in Bedminster, New Jersey, the bank maintains a Tier 1 capital ratio of 14.05% (Well-Capitalized) and a nonperforming loan ratio of 1.56%. BankHealthData assigns a composite Health Grade of B (69/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Peapack-Gladstone Bank (FDIC cert 11035) is a mid-sized bank with $6.5B in total assets and $5.7B in deposits, based in Bedminster, New Jersey. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 14.05% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.56% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 15.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 0.81% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Peapack-Gladstone Bank carries a composite BankHealth grade of B (69/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Peapack-Gladstone Bank
- Total Assets
- $6.5B
- Total Deposits
- $5.7B
- Tier 1 Capital Ratio
- 14.05%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.56%
- Liquidity Ratio
- 15.78%
- Return on Assets
- 0.81%
- Headquarters
- Bedminster, New Jersey
- FDIC Certificate
- #11035
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Peapack-Gladstone Bank holds a Tier 1 capital ratio of 14.05%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Peapack-Gladstone Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Peapack-Gladstone Bank shows strong financial health indicators. With $6.5B in assets and a Health Score of 69/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Peapack-Gladstone Bank Compares
Peapack-Gladstone Bank’s Health Score of 69 is 3 points below the New Jersey state average of 72 across 48 FDIC-insured banks. Its 14.05% Tier 1 capital ratio is 0.1 points above the US banking industry average near 14%. The 1.56% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.81% is below the national ROA benchmark of ~1.1%. Among 230 similarly-sized banks, the average Health Score is 74, meaning this bank ranks below its size cohort. Site-wide, Peapack-Gladstone Bank is 1 points below the portfolio average of 70.
Frequently Asked Questions
Peapack-Gladstone Bank has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 14.05%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Peapack-Gladstone Bank's Tier 1 capital ratio of 14.05% and nonperforming loan ratio of 1.56% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Peapack-Gladstone Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #11035). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Peapack-Gladstone Bank holds $6.5B in total assets and $5.7B in total deposits. It is headquartered in Bedminster, New Jersey (FDIC Certificate #11035).
Peapack-Gladstone Bank has a Tier 1 capital ratio of 14.05%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.56%, and the return on assets is 0.81%.
Yes. Peapack-Gladstone Bank is FDIC-insured (Certificate #11035). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Peapack-Gladstone Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.