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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=322 to 328). 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

46

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 $0.0BQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $1.6B16%Noninterest $0.3BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.53%0.98%0.58%0.79%0.87%1.14%1.23%+65 bps
Return on Equity3.16%4.51%8.62%5.12%6.88%7.58%9.69%10.30%+517 bps
Net Interest Margin3.05%2.86%3.24%3.31%3.49%3.36%3.40%3.57%+26 bps
Efficiency Ratio78.29%73.83%63.31%62.45%62.36%61.49%60.85%59.57%-288 bps
Non-Interest Burden2.30%2.03%1.94%1.95%2.07%1.94%1.94%2.00%+5 bps
Growth
Asset Growth (YoY)22.54%22.10%16.89%13.31%-4.94%-2.45%-2.78%0.40%-1,291 bps
Loan Growth (YoY)22.22%17.47%18.16%16.90%-2.05%-0.14%-2.01%-3.68%-2,058 bps
Deposit Growth (YoY)24.91%24.25%17.91%14.06%-5.53%-2.58%-3.20%0.08%-1,398 bps
Asset Quality
Nonperforming Loans / Loans0.13%1.48%1.43%0.90%0.93%0.91%0.91%0.92%+2 bps
Net Charge-Offs / Loans0.02%0.02%-0.01%1.07%0.72%0.55%0.00%-0.03%-110 bps
Allowance / Loans1.27%1.30%1.29%1.14%1.14%1.12%1.10%1.13%-2 bps
Allowance Coverage of NPLs9.8x0.9x0.9x1.3x1.2x1.2x1.2x1.2x0.0x
Capital
Tier 1 Leverage Ratio11.44%10.58%10.91%10.62%11.15%11.13%11.36%11.69%+107 bps
Total Risk-Based Capital13.17%13.49%13.67%13.05%13.78%14.01%14.10%14.67%+162 bps
Equity / Assets11.13%11.16%11.48%11.41%11.75%11.66%11.95%12.22%+81 bps
Liquidity & Funding
Loans / Deposits89.48%89.45%92.30%94.87%92.77%91.70%93.43%91.30%-357 bps
Liquid Assets / Assets0.94%0.72%0.12%0.07%0.81%5.20%4.57%2.20%+213 bps
CRE / Total Capitaln/an/an/an/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=322-328) · 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 90% of banks $1B-$10B in assets (rank 34 of 322).
  • Widest gap: nonperforming loans / loans trails 73% of banks $1B-$10B in assets (rank 235 of 322).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.24%

Rank 160 of 328

Net Interest Margin

3.57%

Rank 137 of 328

Efficiency Ratio

60.44%

Rank 177 of 328

Equity / Assets

12.22%

Rank 73 of 328

Non-interest income vs. expense

$8.0M$52.9MINCOMEEXPENSE
Unfavorable gap of $44.9M · efficiency ratio beats 46% 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 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.24%0.91%1.22%1.52%Beats 51%160 / 328
Return on Equity10.12%8.43%11.45%14.43%Beats 36%210 / 328
Net Interest Margin3.57%3.03%3.45%3.83%Beats 58%137 / 328
Efficiency Ratio60.44%51.61%59.56%67.53%Beats 46%177 / 328
Asset Quality
Nonperforming Loans / Loans0.92%0.24%0.51%1.03%Beats 27%235 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 90%34 / 322
Capital
Tier 1 Capital Ratio13.60%11.75%13.15%15.47%Beats 56%143 / 328
Total Risk-Based Capital Ratio14.67%12.63%14.15%16.46%Beats 58%139 / 328
Equity / Assets12.22%9.15%10.33%12.01%Beats 78%73 / 328
Liquidity & Funding
Loans / Deposits91.30%76.63%87.92%95.36%62nd pctl122 / 323
Loans / Assets78.72%65.18%74.15%79.98%69th pctl101 / 328
Brokered Deposits / Depositsn/aNot reported for this institution