The Peapack Private Difference

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• Business succession
• Cash flow
• Estate planning
• Insurance
• Retirement planning
• Tax planning

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As Trustee, Co-Trustee, Successor Trustee or Agent, we provide advice and solutions for protecting and transitioning wealth

• Administration of simple and complex trusts
  • Trusts under will
  • Generation-skipping trusts
  • Grantor-retained annuity trusts
  • Insurance trusts
  • Living trusts
  • Charitable trusts
  • Delaware trusts
• Estate planning document review and consultation
• Estate settlement
• Fiduciary tax filings
• Probate of wills

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A subsidiary of Peapack Private, Peapack Private Investment Banking and its broker-dealer³ provide independent, unbiased, and objective advice to middle-market companies and their owners. This advice-led approach includes:

• Advising shareholders of privately held businesses in shareholder disputes
• Assisting business owners with evaluating strategic options that enhance shareholder value
• Customized structured finance solutions, including cash flow, enterprise value, and leveraged and asset-based lending
• Evaluation and assistance with accessing alternative capital markets
• Exit readiness and transaction planning of strategic alternatives to maximize shareholder value while achieving ownership's financial and nonmonetary goals and objectives
• Merger and acquisition advisory support, including coordinating the preparation and execution of a business sale or acquisition

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Our commercial banking divisions and subsidiaries specialize in commercial and industrial (C&I) lending, commercial real estate lending, life insurance premium financing, equipment financing, treasury management, professional services and small business lending, providing customized solutions and industry expertise, with a focus on helping clients achieve their goals.

C&I Lending

• Assistance with developing legacy objectives
• Development of succession plans
• Evaluation of debt capacity
• Hedge fund and private equity solutions
• State-of-the-art treasury and cash management solutions
• Tailored financing for short-, medium- and long-term requirements, including:
  • Acquisition financing
  • Dividend recapitalizations
  • Employee stock ownership plans
  • Equipment financing
  • Owner occupied real estate
  • Sponsor finance — fund finance, capital call and subscription facilities
  • Working capital

Commercial Real Estate Lending

Our Commercial Real Estate division specializes in providing acquisition and refinancing options for income-producing multifamily, retail, office and industrial properties. We work with experienced owners and operators to structure each loan related to a specific asset class and their long-term goals.

Features and Benefits

• Ability to speak with a decision-maker to customize your solution
• Competitive rates and fees
• Fixed rates for up to five years with options
• Primary markets include metro New York and New Jersey

Peapack Capital

A subsidiary of Peapack Private that provides asset finance and equipment leasing solutions, specializing in mid- to large-scale transactions that help clients' businesses grow and succeed.

Treasury Management

Offering clients the ability to make sound decisions and improve financial performance with customized treasury management solutions.

Professional Services Group

Banking for professional firms, including law, accounting, engineering, and architectural firms and their partners and clients. We offer professional firms peace of mind and the expertise of one team, dedicated to providing solid guidance, advice, and holistic solutions.

• Customized escrow accounts plus a full suite of firm-specific treasury management products and solutions
• Owner-occupied commercial mortgages
• Partner capital loans/equity buy-in
• Private banking for firm partners and key executives
• Professional lines of credit (PLOC)
• Standby letters of credit used typically as rent security
• Term loans to finance capital expenditures, including leasehold improvements, practice acquisitions and buyouts
• Working capital lines of credit

Small Business Lending and Community Banking

• Business expansions loans
• Equipment term loans
• Letters of credit
• Loans secured by marketable securities or brokerage accounts
• Owner-occupied commercial mortgages
• Small Business Administration (SBA) loans
• Small business lines of credit
• Working capital lines of credit

Platinum Service Team

The Platinum Service Team delivers a differentiated, high-touch service model designed to meet the sophisticated needs of high-net-worth clients while driving long-term value for shareholders. Serving clients with complex relationships across commercial, personal, and wealth management services, the team provides tailored solutions that support financial clarity, efficiency, and sustainable growth.

In 2025, the Platinum Service Team oversaw more than $2 billion in assets across more than 7,900 client accounts, reflecting strong client engagement, trust, and retention. By pairing a concierge-level approach with advanced banking technology, the team delivers a seamless, frictionless experience that simplifies complexity, accelerates execution, and ensures precision across every interaction.

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We offer full banking services, including a robust digital experience, to meet any financial need.

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1. Non-deposit investment products are not insured by the FDIC; are not deposits or other obligations of, or guaranteed by, Peapack Private Bank & Trust; and are subject to investment risks, including possible loss of the principal amount invested.
2. Securities are offered through LPL Financial (LPL), a registered broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Peapack Private Bank & Trust and Peapack Financial Services are not registered as a broker-dealer. Registered representatives of LPL offer products and services using Peapack Financial Services and may also be employees of Peapack Private Bank & Trust. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Peapack Private Bank & Trust or Peapack Financial Services. Securities and insurance offered through LPL or its affiliates are:

   Not Insured by FDIC or Any Other Government Agency

   Not Bank Guaranteed

   Not Bank Deposits or Obligations

   May Lose Value

3. Securities offered through our affiliated broker-dealer, PGB Securities LLC., member FINRA/SIPC.
4. Please carefully read the Insured Liquidity Sweep program ("program") Terms and Conditions before depositing any money into the program and for other important customer disclosures of information. The program itself is NOT an FDIC-insured product. Rather, under the program, your funds are deposited into deposit accounts at participating banks or other financial institutions which are insured by the Federal Deposit Insurance Corporation (FDIC) for up to the current standard maximum deposit insurance amount (SMDIA) of $250,000 per eligible depositor, per receiving bank or institution, for each ownership capacity or category, including any other balances the depositor may hold directly or through other intermediaries, including broker-dealers. Please contact us to confirm the receiving institutions at which your deposits are held at any given time. If you hold any funds at a receiving bank or institution outside the program, when combined with your deposits held at that institution through the program, the total amount of your deposits at that receiving institution could exceed the SMDIA for an ownership capacity or category, and those excess funds will not be FDIC insured. The total amount of FDIC insurance available on your deposits under the program depends on the number of receiving institutions in the program. If the amount of your deposits in the program is greater than the maximum FDIC insurance coverage under the program, any excess funds will not be insured. To assure your FDIC coverage, please regularly review banks in which your funds have been deposited and notify us immediately if you do not want to allocate funds to a particular bank or banks. If you so exclude a bank from the program, the maximum level of FDIC insurance coverage available under the program may decrease. Please contact us for the maximum amount of FDIC insurance currently available on your deposits under the program.