HIGHBuilt-inLoan_portfolio
commercial real estate lending
“10-K Item 1A: 'Based on these factors, the Bank had a concentration in commercial real estate lending, as such loans represented 367 percent of total bank capital as of December 31, 2025.'”
PGC · Concentration risk · 10-K extracted
Peapack-Gladstone Financial Cor (PGC) concentration risks
Updated
The most significant concentration Peapack-Gladstone Financial Cor discloses is commercial real estate lending, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Peapack-Gladstone Financial Cor’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH1
MEDIUM1
LOW1
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inGeographic
Central and Northern New Jersey, Pennsylvania, and metropolitan New York
“10-K Item 1A: 'Unlike larger regional banks that operate in large geographies, much of our business is with clients located within Central and Northern New Jersey, Pennsylvania, as well as metropolitan New York... Due to our geographic concentration, a downturn in the local economy could make it more difficult to attract deposits and could cause higher losses and delinquencies on our loans than if the loans were more geographically diversified.'”
LOWBuilt-inLoan_portfolio
13.7%
New York multifamily rent-regulated exposure
“10-K Item 1A: 'At December 31, 2025, our total multifamily rent regulated exposure in New York was approximately $854.1 million, or 13.7 percent, of the total loan portfolio.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Peapack-Gladstone's concentration exposures are layered but all structural, rooted in the bank's lending mix and footprint rather than any single counterparty. The core exposure is commercial real estate lending, which represented 367 percent of total bank capital as of December 31, 2025 — a large multiple relative to capital that the company itself identifies as a concentration. That book sits inside a geographically narrow footprint: much of the bank's business is with clients in Central and Northern New Jersey, Pennsylvania, and metropolitan New York, unlike larger regional banks operating across broader geographies, so a downturn in that specific local economy could pressure deposits and increase loan losses and delinquencies at the same time. Within the CRE book, a smaller and more narrowly defined slice — New York multifamily rent-regulated exposure — totaled approximately $854.1 million, or 13.7 percent, of the total loan portfolio. These three exposures reinforce one another rather than standing independently: the CRE concentration, the regional footprint, and the rent-regulated subset are all facets of the same underlying story, meaning the CRE and regional-economy cycle is the dominant swing factor for this name.
For the engine’s reasoning on PGC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| PGC● | Peapack-Gladstone Financial Cor | 1 | 1 | 1 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.