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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 $0.0BQ3 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