Side-by-side · Q2 2026 data
Peapack Private Bank & Trust vs Spencer Savings Bank, SLA
Metric by metric
| Measure | Peapack Private Bank & Trust | Spencer Savings Bank, SLA |
|---|---|---|
| TellerScore | 53 | 61 (stronger) |
| Capital cushion | 40 | 62 (stronger) |
| Loan quality | 64 | 81 (stronger) |
| Earnings | 54 (stronger) | 45 |
| Funding & liquidity | 43 (stronger) | 23 |
| Problem-loan coverage | 81 | 93 (stronger) |
| Peer percentile | 11th | 24th |
| Total assets | $8.0B | $4.0B |
| Deposits / shares | $7.1B | $3.0B |
| Capital ratio | 8.96% | 11.23% (stronger) |
| Problem loans | 1.07% | 0.58% (stronger) |
| Net charge-offs | 0.53% | 0.02% (stronger) |
| Return on assets | 0.84% (stronger) | 0.63% |
| Loans ÷ deposits | 93.6% (stronger) | 107.4% |
| Uninsured deposits | 36.4% (stronger) | 41.6% |
| Offices | 18 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | 18.0% |
Spencer Savings Bank, SLA has the higher TellerScore (61 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Peapack Private Bank & Trust leads on 3 and Spencer Savings Bank, SLA on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.