# BANK OF PRINCETON
PRINCETON, NJ · FDIC certificate 58513 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.25B | |
| Deposits | $1.94B | |
| Loans and leases | $1.77B | |
| Total equity | $275.0M | |
| Loans / deposits | 90.28% (p60 of band) | 87.10% |
| Liquid assets / assets | 14.55% (p21 of band) | |
| Uninsured deposits / deposits | 31.49% (p53 of band) | 30.76% |
| Brokered deposits | 0.34% | |
| Wholesale funding | 0.34% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.69% (p73 of band) | 10.50% |
| Unrealized securities loss / equity | -2.72% (p75 of band) | -7.75% |
| AOCI / equity | -0.03% (p71 of band) | |
| ROA (annualized) | 1.23% (p47 of band) | 1.26% |
| Net interest margin | 3.83% (p58 of band) | 3.70% |
| Efficiency ratio | 59.57% (p52 of band) | |
| Noncurrent loans | 0.92% (p71 of band) | 0.51% |
| Net charge-offs (annualized) | -0.02% (p4 of band) | |
| Reserve coverage of noncurrent | 122.22% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 72.55% (p73 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $6.7M (2% of equity) (p79 of band) | |
| Deposits YoY | 0.1% | |
| Employees | 237 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | construction >100% equity |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | capital falling |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 2 | reserve under noncurrent |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 3 | uninsured deposits >50%, reserve under noncurrent |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 6 | loans exceed deposits, run vulnerability, noncurrent p90 |  |
| 2015-12 | 4 | deposits shrinking | uninsured deposits >50%, run vulnerability, noncurrent p90 |
| 2016-03 | 2 |  | reserve under noncurrent, deposits shrinking |
| 2016-06 | 2 | uninsured deposits leaving | loans exceed deposits |
| 2016-09 | 1 |  | uninsured deposits leaving |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | loans exceed deposits |  |
| 2017-06 | 1 |  | loans exceed deposits |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | charge-offs p90 |  |
| 2018-03 | 3 | loans exceed deposits, capital falling | charge-offs p90 |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 1 |  | construction >100% equity |
| 2018-12 | 2 | liquid assets <10% |  |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 2 | capital falling | loans exceed deposits, liquid assets <10% |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | construction >100% equity |  |
| 2020-06 | 1 |  | charge-offs p90 |
| 2020-09 | 4 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2020-12 | 2 |  | loans exceed deposits, capital falling |
| 2021-03 | 4 | loans exceed deposits, charge-offs p90 |  |
| 2021-06 | 4 | capital falling | loans exceed deposits |
| 2021-09 | 2 |  | liquid assets <10%, capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 2 | liquid assets <10% |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 5 | loans exceed deposits, deposits shrinking, assets shrinking |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 2 | charge-offs p90 | liquid assets <10%, loans exceed deposits, deposits shrinking, assets shrinking |
| 2023-09 | 2 | capital falling | charge-offs p90 |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | capital falling, reserve under noncurrent |  |
| 2025-03 | 1 |  | construction >100% equity, capital falling |
| 2025-06 | 2 | charge-offs p90, construction >100% equity | reserve under noncurrent |
| 2025-09 | 2 | deposits shrinking | construction >100% equity |
| 2025-12 | 1 |  | deposits shrinking |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-04 [18 N.J. banks acknowledged on Newsweek’s best regional banks list - ROI-NJ](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQWW15TXRoWXpYaTVtb3Q1dFluenVPOXRkWEU1cWIyNWpxWWRyQmthTnhjckVvWUxQN0MxVjI5bXhzLXA1d3BobHNtcjB3UkUwWmZINGxaSFZQSHh3VV84SjdWMzVfWl9JampFQlY3VC1qZWVzUHgyaktkdWVCeGZfM21CRXNiSVl6WnF5cmF6aWdTRXhiZUZRSnozWFRManFPX1hnOE1DRlM2dw?oc=5) · ROI-NJ
- 2026-01-22 [Princeton Bancorp, Inc. Announces Declaration of a $0.35 Quarterly Cash Dividend - Sahm](https://news.google.com/rss/articles/CBMixwFBVV95cUxOOTl1cnpHVFIzWVlTOWZmNkZaUTlhLTRXOXpqVTB0Q3NhcmNxVS1kOVo1ZVlBdk9DVnpGMUdfT3h5TVI5Q1lONS1iY2t5YjhScEdndnlEZTl6cndSUXdoTDcwQWtLUHlzLVk5WG5KcTRuY3loUmR5R2RTU0NubUprdEh3RHFhWm1jRmRoaENqNGVucno1X3BldEJNWEhoLTNUeFNlT0UzTDZuVmtzS016MUJIOFFNRUhmQzRLZXVmRTRsTFNoNFN3?oc=5) · Sahm
- 2022-10-20 [Bank of Princeton to acquire Noah Bank for $25.4M - NJBIZ](https://news.google.com/rss/articles/CBMidkFVX3lxTE5MU3NlVUtrQ0tTakhwZ3lLc2R3UktxZkJOOXlGWklDOXpDcHhETWx0c05iXzdnRnkzZDRUT3hfLWVJeW5NVmo2ZUh0M0Y2MDJYTGVOUEdsbVRUZ2YxWklESGJQMzMwSUxrY0hTaUdMTGszUFE4dFE?oc=5) · NJBIZ
- 2025-05-26 [The Bank of Princeton (NJ) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMiigFBVV95cUxQaGN3WjJoN1J1eGZZMkt6bWF1UC16bDF5ckxrMDBuU0FpVVRzTXh4OFVjdHplYUViVGhMWEtQNW1SZzctS2xSOXFsVk05bWJMSHpTM3dWLWR3OXptc0lWU2hXbS0tUVhKeno2TkRCYndDR25PM3BTdVNhYmpLa2VGenRQakJDQ2FqTnc?oc=5) · SmartAsset
- 2017-01-24 [Investors Bancorp, Bank of Princeton call off planned merger - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxOSlVmUkVLZjBZNzVjTG5ZczJTUXZRbGx0N05zZ1lNLTdYTDFuaGZPUHdDVW5ETkVVZ0NQcXRsQ2RNQ2pwX2tOSl9Wb2tsaUJWbjZnMjNJcTFOQld1UEhoXy1hc210eUo4UjF3bng0bk1YVWU5UXh6U05Wbi1JZl9ZT2x4OTdxeE5HZkU4NVVDTlpZQWkxU1hRVVd1UQ?oc=5) · American Banker
- 2024-05-03 [For the First Time in 122 Years, There Will Be No Bank at 90 Nassau Street in Princeton - TAPinto](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQbGZBMTlEYnlUM3VMZm53ZndsQWdGNTRTTE9oZklfNHBTSlViMGt3MVJjTzFpZENnV2lpV01vSGFhNHNVNzZhWUpNRWwxV3BFbGxvRmdscHFTbFA5Q0o0RDBTd0NCbko1aDktWW00a2JlTDlyVjB5TlUwdGRKMldpREdadXZ3cGRqY3FjTGRWZThzZHY1dUFkNDFyWjlXVDdEMVlxblpmdkxnRmdJWWdCZDhDS0hlUzhRUGcwQnhyX0t0NW9Td0dLeTdUalBHSzZqWFItem1CWjRVbDZ1OGsyakU3NDA5LTVqT0IySmtPSEVIX19EVmZwSQ?oc=5) · TAPinto
- 2017-01-24 [Bank of Princeton and Investors Bancorp terminate merger agreement ⋆ Princeton, NJ local news % - Planet Princeton](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNTHNCYmNzTjVRa1R1dkY0VDMxZWlyUVVvVDUxZU5EX3gyRTRmN092ajQwd3ZnUW9URlB6OXdzX2VhN3I0allKQkx6bEx2QjVDQnV0UXhjMm80SHNXamljRDdoZ3o4TFp1VkhCMndzNzh2SjVFQmUtVUlnRF9vMWxsUlNQM3FzS1JBYTBSQlNCNGRfR1NEMXIxdm5CTGJrSEtkelI5c0VqbTVZQQ?oc=5) · Planet Princeton
- 2025-01-08 [Brian Schoener Joins The Bank of Princeton as Vice President, Commercial Loan Officer - citybiz](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPcUJjeUVJLUhOU0Z6a1l3Rncyci1KX3lldkpqNF9QUTZ1cFM5c3RRSWZmUGRfNjZzZ0Q3RjB4UklISkVBbEZvbVlIRi1yejVWbkZzRHdrcHg1aG9OaVFtMEpjTzRQMUVhWjVCU3kxbGlkbkxjcl85eDIxX3Zra3pMS3hLZ3dzMUlMMUh2bkxXSWZ2Ymhkc1c4bGJkVTBVVGZsYUxlUGJEeVloSnNJM1RvaU52bFpkUGJwZGpjQktTUVo?oc=5) · citybiz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58513 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/17.json (key "58513", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide