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Bank of Princeton, The

Princeton, NJ · Cert 58513 · Princeton Bcorp Inc.

State charter, non-member · FDIC · 36 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=313 to 319). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

76

Q2 2024Q2 2026peer median

Efficiency

47

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Princeton, The

Princeton, NJ · Cert 58513 · Princeton Bcorp Inc.

State charter, non-member · FDIC · 36 branches

Q2 2026

$2.3BAssets
$1.8BLoans
$1.9BDeposits
$275.0MEquity
Loan mix
96%RE $1.7B3%C&I $0.1B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $1.6B16%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.79%Q2 ’245.76%Q2 ’255.65%Q2 ’26+4%+8%

Non-interest income vs. expense

2.35%Q2 ’242.32%Q2 ’252.35%Q2 ’260%+3%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #28 of 88 inst. · $0.8B of $685.1B

3.2% Mercer
2.8% Burlington
0.6% Somerset
0.1% Philadelphia

Executive Summary

  • Earnings: ROA of 1.23%, up 65 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.92% of loans (+2 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 11.69%, up 107 bps from a year ago.
  • Funding: loans stand at 91.30% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%+65 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+26 bps YoY

Efficiency Ratio (YTD, annualized)

59.57%-288 bps YoY

Tier 1 Leverage Ratio

11.69%+107 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.79%0.87%1.14%1.23%+65 bps
Return on Equity5.12%6.88%7.58%9.69%10.30%+517 bps
Net Interest Margin3.31%3.49%3.36%3.40%3.57%+26 bps
Efficiency Ratio62.45%62.36%61.49%60.85%59.57%-288 bps
Non-Interest Burden1.95%2.07%1.94%1.94%2.00%+5 bps
Growth
Asset Growth (YoY)13.31%-4.94%-2.45%-2.78%0.40%-1,291 bps
Loan Growth (YoY)16.90%-2.05%-0.14%-2.01%-3.68%-2,058 bps
Deposit Growth (YoY)14.06%-5.53%-2.58%-3.20%0.08%-1,398 bps
Asset Quality
Nonperforming Loans / Loans0.90%0.93%0.91%0.91%0.92%+2 bps
Net Charge-Offs / Loans1.07%0.72%0.55%0.00%-0.03%-110 bps
Allowance / Loans1.14%1.14%1.12%1.10%1.13%-2 bps
Allowance Coverage of NPLs1.3x1.2x1.2x1.2x1.2x0.0x
Capital
Tier 1 Leverage Ratio10.62%11.15%11.13%11.36%11.69%+107 bps
Total Risk-Based Capital13.05%13.78%14.01%14.10%14.67%+162 bps
Equity / Assets11.41%11.75%11.66%11.95%12.22%+81 bps
Liquidity & Funding
Loans / Deposits94.87%92.77%91.70%93.43%91.30%-357 bps
Liquid Assets / Assets0.07%0.81%5.20%4.57%2.20%+213 bps
CRE / Total Capitaln/a614%601%584%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Princeton, The

Princeton, NJ · Cert 58513 · Peer group: banks $1B-$10B in assets (n=313-319) · Princeton Bcorp Inc.

State charter, non-member · FDIC · 36 branches

Q2 2026

$2.3BAssets
$1.8BLoans
$1.9BDeposits
$275.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 91% of banks $1B-$10B in assets (rank 32 of 313).
  • Widest gap: nonperforming loans / loans trails 71% of banks $1B-$10B in assets (rank 222 of 313).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.24%

Rank 154 of 319

Net Interest Margin

3.57%

Rank 134 of 319

Efficiency Ratio

60.44%

Rank 169 of 319

Equity / Assets

12.22%

Rank 70 of 319

Non-interest income vs. expense

$8.0M$52.9MINCOMEEXPENSE
Unfavorable gap of $44.9M · efficiency ratio beats 47% of banks $1B-$10B in assets
Bank 60.44%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.24%0.91%1.21%1.53%Beats 52%154 / 319
Return on Equity10.12%8.49%11.44%14.57%Beats 35%206 / 319
Net Interest Margin3.57%3.06%3.43%3.81%Beats 58%134 / 319
Efficiency Ratio60.44%51.90%59.57%67.64%Beats 47%169 / 319
Asset Quality
Nonperforming Loans / Loans0.92%0.25%0.54%1.18%Beats 29%222 / 313
Net Charge-Offs / Loans0.00%0.01%0.04%0.12%Beats 91%32 / 313
Capital
Tier 1 Capital Ratio13.60%11.74%12.99%15.28%Beats 58%135 / 319
Total Risk-Based Capital Ratio14.67%12.61%14.01%16.23%Beats 59%130 / 319
Equity / Assets12.22%9.03%10.33%12.01%Beats 78%70 / 319
Liquidity & Funding
Loans / Deposits91.30%76.76%88.16%95.43%62nd pctl119 / 314
Loans / Assets78.72%65.79%74.05%79.84%69th pctl99 / 319
Brokered Deposits / Depositsn/aNot reported for this institution