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Peapack-Gladstone Financial Corporation (PGC) investor relations material
Peapack-Gladstone Financial Corporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary21 Jul, 2025
Executive summary
Net income for Q2 2025 was $7.9 million, up from $7.5 million in Q2 2024 and 5% sequentially; diluted EPS rose to $0.45 from $0.42 year-over-year and $0.43 in Q1 2025.
Total revenue for Q2 2025 increased to $69.7 million from $56.6 million in Q2 2024, driven by higher net interest income and improved net interest margin.
Deposits reached $6.4 billion, a 12% increase year-over-year, with noninterest-bearing deposits up 30% over the last year.
Metro New York expansion contributed over $1.3 billion in new core deposits and $464 million in loans since inception, with five new production teams added in Long Island during Q2 2025.
For the six months ended June 30, 2025, net income was $15.5 million, down from $16.2 million year-over-year, with diluted EPS at $0.87 versus $0.91.
Financial highlights
Net interest income for Q2 2025 was $48.3 million, up 38% year-over-year and 6% sequentially; net interest margin improved to 2.77% from 2.25% in Q2 2024 and 2.68% in Q1 2025.
Provision for credit losses increased to $6.6 million in Q2 2025 from $3.9 million in Q2 2024 and $4.5 million in Q1 2025, reflecting loan growth and economic deterioration.
Operating expenses rose 20% year-over-year to $51.9 million in Q2 2025, mainly due to expansion and higher compensation costs.
Allowance for credit losses was $81.8 million at June 30, 2025, up from $73.0 million at year-end 2024; ratio to total loans increased to 1.41%.
Nonperforming loans rose to $115.0 million, or 1.98% of total loans, compared to $100.2 million and 1.82% at year-end 2024.
Outlook and guidance
Management expects continued pressure on operating expenses due to ongoing expansion and higher personnel costs.
Net interest margin is anticipated to benefit from lower deposit costs and improved funding mix, but credit quality trends will be closely monitored.
Management remains confident in the Metro New York expansion and expects continued growth in deposits and loans.
Investments in new teams and rebranding are expected to drive future profitability and shareholder value.
Capital and liquidity positions are considered strong, supporting future growth and stress scenarios.
Explain the driver for Q2 2025 credit loss provision.
Discuss the success of the Metro New York expansion.
Detail the impact of NYC expansion on operating costs.
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Next Peapack-Gladstone Financial Corporation earnings date
Q3 202524 Oct, 2025
Next Peapack-Gladstone Financial Corporation earnings date
Q3 202524 Oct, 2025
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Frequently asked questions
Peapack-Gladstone Financial Corporation is a bank holding company primarily operating through its wholly owned subsidiary, Peapack-Gladstone Bank. The corporation provides a range of banking services including personal, corporate, and wealth management solutions. Its personal banking services encompass checking and savings accounts, personal loans, and residential mortgages. For corporate clients, it offers commercial lending products, cash management, and deposit solutions. Additionally, Peapack-Gladstone Financial Corporation has a significant focus on wealth management services, providing investment management, financial planning, and trust and estate services to individual and institutional clients. The company serves customers predominantly in the New Jersey area. The company is headquartered in Bedminster, New Jersey, and its shares are listed on the NASDAQ.
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