Bedminster, NJ · Cert 11035 · Peapack-Gladstone Finl Corp.
State charter, Fed member · FED · 19 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.2% share · #36 of 151 inst. · $7.1B of $2921.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.63% | 0.51% | 0.50% | 0.58% | 0.71% | 0.85% | 0.83% | +34 bps | |
| Return on Equity | 5.06% | 6.09% | 5.09% | 5.07% | 5.96% | 7.27% | 9.10% | 9.43% | +435 bps | |
| Net Interest Margin | 2.39% | 2.51% | 2.66% | 2.75% | 2.82% | 3.09% | 3.21% | 3.25% | +49 bps | |
| Efficiency Ratio | 76.80% | 75.55% | 74.60% | 72.92% | 72.59% | 67.26% | 64.31% | 64.12% | -880 bps | |
| Non-Interest Burden | 1.56% | 1.61% | 1.71% | 1.67% | 1.74% | 1.69% | 1.63% | 1.67% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.15% | 8.28% | 11.10% | 10.73% | 9.54% | 7.27% | 8.04% | 10.65% | -8 bps | |
| Loan Growth (YoY) | -3.15% | 1.56% | 7.35% | 10.54% | 13.29% | 13.36% | 11.92% | 14.66% | +413 bps | |
| Deposit Growth (YoY) | 12.80% | 16.09% | 14.64% | 12.39% | 10.47% | 7.41% | 8.41% | 10.72% | -167 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.51% | 1.81% | 1.69% | 1.97% | 1.40% | 1.09% | 0.92% | 1.07% | -91 bps | |
| Net Charge-Offs / Loans | -0.16% | 0.00% | 0.16% | 0.00% | 1.19% | 0.34% | 0.70% | 0.35% | +35 bps | |
| Allowance / Loans | 1.34% | 1.32% | 1.31% | 1.40% | 1.14% | 1.14% | 1.04% | 1.04% | -37 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.7x | 0.8x | 0.7x | 0.8x | 1.0x | 1.1x | 1.0x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.99% | 10.57% | 10.05% | 9.99% | 9.89% | 9.89% | 9.02% | 8.96% | -104 bps | |
| Total Risk-Based Capital | 15.00% | 14.75% | 13.77% | 13.54% | 12.82% | 12.64% | 11.83% | 11.65% | -188 bps | |
| Equity / Assets | 10.55% | 10.18% | 9.79% | 9.79% | 9.65% | 9.76% | 8.87% | 8.79% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.33% | 89.78% | 91.31% | 91.30% | 91.61% | 94.76% | 94.26% | 94.54% | +325 bps | |
| Liquid Assets / Assets | 8.66% | 6.91% | 4.56% | 5.65% | 5.86% | 3.66% | 4.21% | 4.07% | -158 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 434% | 446% | 489% | n/a | n/a | |