Peapack-Gladstone Financial (PGC) - 2025 Q4 - Earnings Call Presentation

Investor Update Q4 2025 The Q4 2025 Investor Update should be read in conjunction with the Q4 2025 Earnings Release issued on January 29, 2026. Year in Review: Disciplined Execution Prudent growth and balance sheet management is delivering excellent shareholder value Strong & Growing Balance Sheet Excellent Earnings Momentum Core Relationship Deposit1 Growth +23% (2-Year CAGR) 2025: +16% ($828MM) | Past Two Years: +50% ($2B+) Transformed funding base through remixing NIB up $316MM of $460MM total in 2025 (n ...