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Peapack Private Bank and Trust

Bedminster, NJ · Cert 11035 · Peapack-Gladstone Finl Corp.

State charter, Fed member · FED · 19 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35 to 36). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

6

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

49

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peapack Private Bank and Trust

Bedminster, NJ · Cert 11035 · Peapack-Gladstone Finl Corp.

State charter, Fed member · FED · 19 branches

Q2 2026

$8.0BAssets
$6.7BLoans
$7.1BDeposits
$700.2MEquity
Loan mix
66%RE $4.1B30%C&I $1.9B3%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $5.4B23%Noninterest $1.6BQ2 2025Q2 2026

NIM

4.88%Q2 ’244.89%Q2 ’254.93%Q2 ’26+19%+18%

Non-interest income vs. expense

2.54%Q2 ’242.79%Q2 ’252.76%Q2 ’26+30%-3%

Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.2% share · #36 of 151 inst. · $7.1B of $2921.1B

0.1% New York
12.6% Somerset
4.5% Morris
7.6% Hunterdon

Executive Summary

  • Earnings: ROA of 0.84%, up 34 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 1.07% of loans (-91 bps YoY), with net charge-offs at 0.52%.
  • Capital: tier 1 leverage ratio of 8.96%, down 104 bps from a year ago.
  • Funding: loans stand at 94.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.84%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+48 bps YoY

Efficiency Ratio (YTD, annualized)

64.22%-951 bps YoY

Tier 1 Leverage Ratio

8.96%-104 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.53%0.57%0.85%0.84%+34 bps
Return on Equity5.07%5.36%5.84%9.10%9.18%+412 bps
Net Interest Margin2.69%2.69%2.76%3.21%3.17%+48 bps
Efficiency Ratio73.73%73.34%71.66%64.31%64.22%-951 bps
Non-Interest Burden1.68%1.67%1.65%1.63%1.62%-6 bps
Growth
Asset Growth (YoY)10.73%9.54%7.27%8.04%10.65%-8 bps
Loan Growth (YoY)10.54%13.29%13.36%11.92%14.66%+413 bps
Deposit Growth (YoY)12.39%10.47%7.41%8.41%10.72%-167 bps
Asset Quality
Nonperforming Loans / Loans1.97%1.40%1.09%0.92%1.07%-91 bps
Net Charge-Offs / Loans0.08%0.45%0.41%0.70%0.52%+44 bps
Allowance / Loans1.40%1.14%1.14%1.04%1.04%-37 bps
Allowance Coverage of NPLs0.7x0.8x1.0x1.1x1.0x+0.3x
Capital
Tier 1 Leverage Ratio9.99%9.89%9.89%9.02%8.96%-104 bps
Total Risk-Based Capital13.54%12.82%12.64%11.83%11.65%-188 bps
Equity / Assets9.79%9.65%9.76%8.87%8.79%-100 bps
Liquidity & Funding
Loans / Deposits91.30%91.61%94.76%94.26%94.54%+325 bps
Liquid Assets / Assets5.65%5.86%3.66%4.21%4.07%-158 bps
CRE / Total Capitaln/a434%446%489%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Peapack Private Bank and Trust

Bedminster, NJ · Cert 11035 · Peer group: banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (n=35-36) · Peapack-Gladstone Finl Corp.

State charter, Fed member · FED · 19 branches

Q2 2026

$8.0BAssets
$6.7BLoans
$7.1BDeposits
$700.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 53% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 17 of 36).
  • Widest gap: equity / assets trails 94% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 34 of 36).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.81%

Rank 22 of 36

Net Interest Margin

3.17%

Rank 17 of 36

Efficiency Ratio

64.22%

Rank 19 of 35

Equity / Assets

8.79%

Rank 34 of 36

Non-interest income vs. expense

$89.8M$218.3MINCOMEEXPENSE
Unfavorable gap of $128.4M · efficiency ratio beats 49% of banks $1B-$10B in assets in the New York-Newark-Jersey City, NY-NJ area
Bank 64.22%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.81%0.65%1.00%1.72%Beats 39%22 / 36
Return on Equity9.25%5.35%9.30%13.56%Beats 46%19 / 35
Net Interest Margin3.17%2.66%3.13%3.63%Beats 53%17 / 36
Efficiency Ratio64.22%52.19%63.09%75.14%Beats 49%19 / 35
Asset Quality
Nonperforming Loans / Loans1.07%0.46%0.84%1.59%Beats 42%22 / 36
Net Charge-Offs / Loans0.26%n/a0.03%0.14%Beats 14%32 / 36
Capital
Tier 1 Capital Ratio10.60%13.13%14.78%18.34%Beats 6%34 / 36
Total Risk-Based Capital Ratio11.65%13.73%15.96%19.27%Beats 6%34 / 36
Equity / Assets8.79%9.80%11.58%14.82%Beats 6%34 / 36
Liquidity & Funding
Loans / Deposits94.54%81.12%95.13%103.24%47th pctl19 / 36
Loans / Assets83.86%67.44%76.31%84.79%69th pctl11 / 36
Brokered Deposits / Depositsn/aNot reported for this institution