Peapack-gladstone Financial Corporation · NASDAQ:PGC
Peapack-gladstone Financial — Shareholder Meeting (April 2026)
16 slides from Peapack-gladstone Financial's shareholder meeting presentation, Apr 30, 2026
Slide 1: Welcome to Our Annual Meeting
Welcome to Our Annual Meeting Exhibit 99.1
Slide 2: Statement Regarding Forward-Looking Information
Statement Regarding Forward-Looking Information This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are not historical facts and may include expressions about Management’s strategies and Management’s expect
Slide 3: 2025 Highlights
2025 Highlights Driving earnings growth through balance sheet transformation Financial Performance & Momentum The decision to expand throughout the Metropolitan New York region has transformed the balance sheet and strengthened the funding profile, creating a durable foundation for future growth Cor
Slide 4: Metro New York Expansion Timeline
Metro New York Expansion Timeline Strategic expansion during industry stress is creating long-term value Annualized PPNR ($ millions) March 2023 – July 2023: Three large bank failures and rapid increase in Fed Funds bring industry-wide volatility April 2024: Hired 13 teams and leadership for NYC May
Slide 5: Improving Shareholder Value
Improving Shareholder Value Earnings momentum is increasingly reflected in our stock performance 4/17/2026 +42% YTD 2026
Slide 6: Peapack Private: The Premier Alternative to the Mega Banks in Metropolitan New York
Bedminster New York City Melville NEW YORK NEW JERSEY CONNECTICUT PENNSYLVANIA Greenville Rye Brook Princeton Morristown Summit Red Bank Lakewood Teaneck DE Peapack Private Bank & Trust Financial Centers Garden City Peapack Private The Premier Alternative to the Mega Banks in Metropolitan New York $
Slide 7: The Peapack Private Client Experience
The Peapack Private Client Experience Net Promoter Score Client satisfaction substantially exceeds the U.S. Banking Industry Benchmark Elevated boutique banking experience Distinct alternative to large banks with a refined, client-first service philosophy Personalized, relationship-driven service mo
Slide 8: Wealth Management Record AUM/AUA and revenue
Wealth Management Record AUM/AUA and revenue Sustained Long-Term Growth Track record of sustained long-term growth, achieving a 12% CAGR over the past seven years and 15% CAGR over the past decade. Strength and Scalability Market leaders; achieved a record $13.1 billion in assets under management an
Slide 9: Deposit Trends
Deposit Trends Strong growth at a favorable mix and excellent beta Core relationship deposits1 increased $828 million (16%) in 2025, and greater than $2 billion (50%) over the last two years. This has allowed the bank to: eliminate all brokered deposits, remix higher cost deposits for lower cost rel
Slide 10: Loan Trends
Loan Trends Consistent growth focused on our strengths For full-year 2025, loan originations totaled $2.1 billion at a 6.60% weighted average coupon, driving $738 million of net loan growth, largely in C&I. C&I represents a long-standing core competency, built over more than a decade and diversified
Slide 11: Net Interest Income
Net Interest Income Delivering positive operating leverage & NII growth Eight consecutive quarters of net interest income growth, driven by successful relationship growth. NII increased $14.6 million or 35% YoY. Net interest margin increased 62 basis points YoY to 3.08%. Beta of 69% achieved through
Slide 12: Positioned for Long-Term Growth & Compelling Returns
Positioned for Long-Term Growth & Compelling Returns Boutique alternative to large banks in the Metro New York region. Anchored by a scarce and valuable $13.1 billion wealth management franchise. Expansion strategy has transformed our liquidity profile and creates a scalable foundation for future gr
Slide 13: Summary & Conclusion, Q&A
PEAPACK-GLADSTONE FINANCIAL CORPORATION PEAPACK PRIVATE Bank & Trust Summary & Conclusion Q&A A a
Slide 14: Notes
Notes 2025 Highlights slide See Non-GAAP Financial Measurement Reconciliation included in these appendices. Net Promoter Score slide U.S. Banking Industry benchmark data source is Qualtrics, an international leader in client surveys and net promoter score. Deposit Trends slide Core relationship depo
Slide 15: Non-GAAP Financial Measurement Reconciliation
Non-GAAP Financial Measurement Reconciliation We believe that these non-GAAP financial measures provide information that is important to investors and that is useful in understanding our financial position, results and ratios. Our management internally assesses our performance based, in part, on the
Slide 16: Contacts
Douglas L. Kennedy President & Chief Executive Officer (908) 719-6554 dkennedy@peapackprivate.com Frank A. Cavallaro Senior EVP & Chief Financial Officer (908) 306-8933 fcavallaro@peapackprivate.com CONTACTS John P. Babcock Senior EVP & President of Peapack Private Wealth Management (908) 719-3301 j
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