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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

5.93%Q2 ’245.72%Q2 ’255.74%Q2 ’26+3%+11%

Non-interest income vs. expense

2.36%Q2 ’242.30%Q2 ’252.37%Q2 ’26-1%+6%

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 1.32%, up 114 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.92% of loans (+2 bps YoY), with net recoveries of 0.06%.
  • 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 (quarter, annualized)

1.32%+114 bps YoY

Net Interest Margin (quarter, annualized)

3.70%+38 bps YoY

Efficiency Ratio (quarter, annualized)

58.35%-324 bps YoY

Tier 1 Leverage Ratio

11.69%+107 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%1.21%1.14%1.14%1.32%+114 bps
Return on Equity1.54%10.49%9.71%9.69%10.91%+937 bps
Net Interest Margin3.32%3.66%3.17%3.40%3.70%+38 bps
Efficiency Ratio61.59%62.18%58.83%60.85%58.35%-324 bps
Non-Interest Burden1.92%2.21%1.68%1.94%2.04%+12 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 / Loans2.15%-0.02%0.05%0.00%-0.06%-220 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