Princeton, NJ · Cert 58513 · Princeton Bcorp Inc.
State charter, non-member · FDIC · 36 branches
Q2 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
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.76% | 0.92% | 0.98% | 0.18% | 1.21% | 1.14% | 1.14% | 1.32% | +114 bps | |
| Return on Equity | -6.51% | 8.29% | 8.62% | 1.54% | 10.49% | 9.71% | 9.69% | 10.91% | +937 bps | |
| Net Interest Margin | 3.24% | 3.10% | 3.24% | 3.32% | 3.66% | 3.17% | 3.40% | 3.70% | +38 bps | |
| Efficiency Ratio | 102.51% | 61.64% | 63.31% | 61.59% | 62.18% | 58.83% | 60.85% | 58.35% | -324 bps | |
| Non-Interest Burden | 3.32% | 1.81% | 1.94% | 1.92% | 2.21% | 1.68% | 1.94% | 2.04% | +12 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 / Loans | 0.13% | 1.48% | 1.43% | 0.90% | 0.93% | 0.91% | 0.91% | 0.92% | +2 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | -0.01% | 2.15% | -0.02% | 0.05% | 0.00% | -0.06% | -220 bps | |
| Allowance / Loans | 1.27% | 1.30% | 1.29% | 1.14% | 1.14% | 1.12% | 1.10% | 1.13% | -2 bps | |
| Allowance Coverage of NPLs | 9.8x | 0.9x | 0.9x | 1.3x | 1.2x | 1.2x | 1.2x | 1.2x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.44% | 10.58% | 10.91% | 10.62% | 11.15% | 11.13% | 11.36% | 11.69% | +107 bps | |
| Total Risk-Based Capital | 13.17% | 13.49% | 13.67% | 13.05% | 13.78% | 14.01% | 14.10% | 14.67% | +162 bps | |
| Equity / Assets | 11.13% | 11.16% | 11.48% | 11.41% | 11.75% | 11.66% | 11.95% | 12.22% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.48% | 89.45% | 92.30% | 94.87% | 92.77% | 91.70% | 93.43% | 91.30% | -357 bps | |
| Liquid Assets / Assets | 0.94% | 0.72% | 0.12% | 0.07% | 0.81% | 5.20% | 4.57% | 2.20% | +213 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 614% | 601% | 584% | n/a | n/a | |