Peapack Private Bank and Trust: SBA Lending Record

What SBA's own loan files show about Peapack Private Bank and Trust as an SBA lender, and how a lender's record bears on a feasibility study.

What SBA's file shows for Peapack Private Bank and Trust

353 loans, approved FY2017 to FY2026, have Peapack Private Bank and Trust as SBA-listed holder. At Peapack Private Bank and Trust, dollar volume stands at $405.3 million gross, over 353 loans. SBA, not Peapack Private Bank and Trust, guarantees each of the 353 loans held, now or earlier, by Peapack Private Bank and Trust. SBA tags 353 as 7(a), none 504, under Peapack Private Bank and Trust. Peapack Private Bank and Trust holder status: assigned now or last.

158 of 353 loans, held by Peapack Private Bank and Trust, sit in no listed asset class. At Peapack Private Bank and Trust, rows by class cover the remainder. Peapack Private Bank and Trust class rows open with liquor store, 56 of 353 loans. Then 42 loans in hotel and motel, 28 in full-service restaurant and limited-service restaurant with 20 loans. Lower Peapack Private Bank and Trust rows: car wash at 8, gas station and truck stop (6) and 6 loans in rehabilitation and therapy clinic. Liquor store: across 353 loans, check Peapack Private Bank and Trust for it.

Peapack Private Bank and Trust loans sit in 237 in New Jersey, New York (76), 23 in Pennsylvania and Florida (5), per SBA. For a project elsewhere, Peapack Private Bank and Trust has nothing nearby: a narrow footprint.

At Peapack Private Bank and Trust: cancellations and charge-offs

Peapack Private Bank and Trust cancellation floor stands at 17.5%, counting FY2017 to FY2024 approvals. Also 17.5% is the ceiling; undisbursed Peapack Private Bank and Trust loans move nothing. Loan Analytics holds back the Peapack Private Bank and Trust floor on FY2017 to FY2021 charge-offs. Peapack Private Bank and Trust outcomes show; reasons do not. Peapack Private Bank and Trust cohort rates cover FY2017 to FY2021 disbursements. Peapack Private Bank and Trust: 17.5% is a floor, 353 loans notwithstanding, not a forecast. Peapack Private Bank and Trust: every rate here is a floor, 353 loans or not; 17.5% included.

Peapack Private Bank and Trust: what a borrower can take

Peapack Private Bank and Trust, a bank or lender, comes with 353 loans of background. Nothing in Peapack Private Bank and Trust rows states what Peapack Private Bank and Trust asks of an applicant. For Peapack Private Bank and Trust, compare liquor store, 353 loans deep; New Jersey, set beside the project. Peapack Private Bank and Trust: other sources go in the study.

353 loans at Peapack Private Bank and Trust are context only. For the project, New Jersey or elsewhere, Peapack Private Bank and Trust proves nothing. Liquor store demand: 353 loans at Peapack Private Bank and Trust set none; New Jersey conditions decide, not Peapack Private Bank and Trust. Budget lines meet raised funds, 353 loans staying aside. 353 loans give Peapack Private Bank and Trust breadth, not depth. A 17.5% floor sets the lowest bar for Peapack Private Bank and Trust. Peapack Private Bank and Trust aside, debt service coverage keeps a 17.5% floor in view. Collateral for Peapack Private Bank and Trust rests on the appraisal. Peapack Private Bank and Trust: no study promises approval; 353 loans or none, it prepares the file.

SBA loans held by Peapack Private Bank and Trust

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

Loans approved, FY2017 to FY2026353
Gross dollars approved$405.3 million
SBA 7(a) loans353
SBA 504 loans0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)17.5%
The same, counting loans still undisbursed as cancelled (a ceiling)17.5%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

Loans by asset class

Asset classLoans
Not in any of the 39 asset classes158
Liquor store56
Hotel and motel42
Full-service restaurant28
Limited-service restaurant20
Car wash8
Gas station and truck stop6
Rehabilitation and therapy clinic6
Automotive mechanical repair (car and truck)6
Fitness center6

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

State or areaLoans
New Jersey237
New York76
Pennsylvania23
Florida5

States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-11035.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Peapack Private Bank and Trust or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Request Scope & Timeline

Start with the data.

Contact Us