Peapack-Gladstone Financial Corporation
Peapack-Gladstone Financial Corp. is a U.S. bank holding company headquartered in New Jersey, operating through its principal subsidiary, Peapack Private Bank & Trust. Its business combines commercial banking, private banking, residential lending, and wealth management across the New Jersey, New York, and Pennsylvania metropolitan market.
Tilikausi 2025 · muutos edellisvuodesta
Kehitys 2020–2025
Liiketoiminta
Osuus liikevaihdostaLending, deposits, and treasury services for business and real estate clients.
Fiduciary, investment management, and tax services for high-net-worth clients and institutions.
Asiakkaat
The company serves businesses, professionals, and real estate investors through its commercial and private banking franchise, while also providing consumer banking products to households in its market area. Its wealth management division serves high-net-worth individuals, families, trusts, foundations, and endowments that need investment, fiduciary, and tax services.
Business owners, professionals, retailers, contractors, and real estate investors using working capital lines, term loans, and commercial mortgages.
Affluent individuals and households using deposit accounts, cash management, and integrated private banking services.
High-net-worth individuals, families, trusts, estates, foundations, and endowments buying fiduciary and investment services.
Local consumers using checking, savings, money market, CDs, IRAs, and residential mortgage products.
Strategia
The company’s strategy centers on expanding its private banking and wealth management franchise alongside relationship-based commercial lending and deposit gathering. It also emphasizes integrated client coverage, using bankers, lenders, and advisers together to deepen relationships and support growth in its core metro markets.
The franchise is concentrated in affluent, dense markets where relationship banking and private banking can scale.
Fee-based wealth services diversify revenue and deepen client relationships beyond lending and deposits.
Coordinated lending, deposits, and advisory services improve retention and wallet share.
Maantiede
The company’s core footprint is the New Jersey, New York, and Pennsylvania metropolitan area, with primary market activity in New Jersey and New York. It operates branches and private banking locations in New Jersey, New York City, and Long Island, and also supports wealth management through a Delaware trust subsidiary.
Riskit
The company is exposed to credit risk, interest-rate risk, and deposit competition because its core business depends on lending, funding, and securities management. It also faces operational, cybersecurity, regulatory, and market risks that are typical for banks, while its wealth management business adds fiduciary and reputational exposure.
- Credit deterioration in the loan portfolioVaikutus: KorkeaTodennäköisyys: Kohtalainen
The company lends to commercial real estate, business, and consumer borrowers, so weaker economic conditions can increase delinquencies and charge-offs.
Kohdistuu - Deposit competition and funding pressureVaikutus: KorkeaTodennäköisyys: Kohtalainen
Banking is highly competitive and the company must attract and retain core deposits to fund growth.
Kohdistuu - Interest-rate and securities riskVaikutus: KorkeaTodennäköisyys: Kohtalainen
Changes in rates affect net interest income, deposit pricing, loan demand, and the value of available-for-sale securities.
Kohdistuu - Cybersecurity and operational riskVaikutus: KorkeaTodennäköisyys: Kohtalainen
Digital banking, wealth platforms, and internal controls depend on secure systems and effective oversight.
Kohdistuu - Regulatory and compliance riskVaikutus: KeskitasoTodennäköisyys: Matala
As a bank holding company and trust/wealth manager, the company is subject to banking, fiduciary, and consumer protection rules.
Kohdistuu
Kirjanpito
Harkinnanvaraiset erätASC 326 estimates depend on historical loss experience, forecasts, and qualitative overlays, which can materially change provisions.
Vaikutus: Loan loss provision and reserve balance
Available-for-sale securities are measured at fair value, so rate moves can create unrealized gains or losses in equity.
Vaikutus: Accumulated other comprehensive income and capital
Interest-rate swaps are used to manage duration and funding risk, and hedge effectiveness affects earnings and OCI.
Vaikutus: Net interest income and other comprehensive income
Fees are tied to assets under management and administration, so market movements and client flows affect revenue timing.
Vaikutus: Noninterest income
Samankaltaisia listattuja yhtiöitä
Julkisesti listattuja yhtiöitä, joilla on samankaltainen liiketoiminta.
Provident Financial Services, Inc
PFS · Savings Institution, Federally Chartered
Fulton Financial Corporation
FULT · National Commercial Banks
Webster Financial Corporation
National Commercial Banks
Orrstown Financial Services, Inc
ORRF · State Commercial Banks
Gladstone Commercial Corporation - Real Estate Investment Trust
GOOD · Lessors of Real Property, NEC
Gladstone Commercial Corp is a U.S.
Kearny Financial Corp.
KRNY · Savings Institution, Federally Chartered
Päivitetty: 24.9.2026