皮帕克格拉德斯通金融 2025年度报告

FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OFTHE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR TRANSITION REPORT PURSUANT TO SECTION 15(d)OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number: 001-16197 A.Full title of the plan and address of the plan, if different from that of the issuer named below: Peapack Private Employees’ Savings and Investment Plan B.Name of issuer of the securities held pursuant to the plan and the address of its principal executive office: PEAPACK-GLADSTONE FINANCIAL CORPORATION500 Hills Drive, Suite 300 Bedminster, New Jersey 07921-1538 PEAPACK PRIVATE EMPLOYEES’ SAVINGS AND FINANCIAL STATEMENTS December 31, 2025 and 2024 CONTENTS REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM - BDO USA, P.C.4REPORTOF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM-Crowe LLP(Predecessor Auditor)6FINANCIAL STATEMENTSSTATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS – DECEMBER 31, 2025 AND20247STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS – YEAR ENDEDDECEMBER 31, 20258NOTES TO FINANCIAL STATEMENTS9SUPPLEMENTAL SCHEDULESCHEDULE H, LINE 4(i) – SCHEDULE OF ASSETS (HELD AT END OF YEAR)20EXHIBIT INDEX22SIGNATURES23 Plan Administrator and ParticipantsPeapack Private Employees' Savings and Investment PlanBedminster, New Jersey Opinion on the Financial Statements We have audited the accompanying statements of net assets available for benefits of the Peapack Private Employees'Savings and Investment Plan (the “Plan”) as of December 31, 2025, the related statement of changes in net assetsavailable for benefits for the year ended December 31, 2025, and the related notes (collectively, the “2025 financialstatements”). In our opinion, the 2025 financial statements present fairly, in all material respects, the net assetsavailable for benefits of the Plan as of December 31, 2025, and the changes in net assets available for benefits for theyear then ended, in conformity with accounting principles generally accepted in the United States of America. Basis for Opinion These 2025 financial statements are the responsibility of the Plan’s management. Our responsibility is to express anopinion on the Plan’s 2025 financial statements based on our audit. We are a public accounting firm registered with thePublic Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent withrespect to the Plan in accordance with the U.S. federal securities laws and the applicable rules and regulations of theSecurities and Exchange Commission and the PCAOB. We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan andperform the audit to obtain reasonable assurance about whether the 2025 financial statements are free of materialmisstatement, whether due to error or fraud. The Plan is not required to have, nor were we engaged to perform, an auditof its internal control over financial reporting. As part of our audit we are required to obtain an understanding ofinternal control over financial reporting but not for the purpose of expressing an opinion on the effectiveness of thePlan’s internal control over financial reporting. Accordingly, we express no such opinion. Our audit included performing procedures to assess the risk of material misstatement of the 2025 financial statements,whether due to error or fraud, and performing procedures that respond to those risks. Such procedures includedexamining, on a test basis, evidence regarding the amounts and disclosures in the 2025 financial statements. Our auditalso included evaluating the accounting principles used and significant estimates made by the Plan’s management, aswell as evaluating the overall presentation of the 2025 financial statements. We believe that our audit provide areasonable basis for our opinion. Supplemental Information The supplemental information in the accompanying ERISA-required Supplemental Schedule H, line 4i- Schedule ofAssets (Held at End of Year) as of December 31, 2025 has been subjected to audit procedures performed in conjunctionwith the audit of the Plan’s 2025 financial statements. The supplemental information is presented for the purpose ofadditional analysis and is not a required part of the 2025 financial statements but included supplemental informationrequired by the Department of Labor’s Rules and Regulations for Reporting and Disclosure under the EmployeeRetirement Income Security Act of 1974. The supplemental information is the responsibility of the Plan’s management.Our audit procedures included determining whether the supplemental information reconciles to the 2025 financialstatements or the underlying accounting and other records, as applicable, and performing procedures to test the completeness andaccuracy of the information presented in the supplemental information. In forming our opinion on the supplementalinformation, we evaluated whether the supplemental information, including