The Bank of Princeton
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Princeton is an FDIC-insured commercial bank headquartered in Princeton, NJ, established in 2007 (FDIC certificate 58513), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.25B, up 0.4% from Q2 2025, the 18th largest of 49 banks headquartered in New Jersey. Its CET1 capital ratio was 13.60% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58513
- Headquarters
- Princeton, NJ
- Established
- 2007
- Total assets, Q2 2026
- $2.25B
- Assets vs Q2 2025
- +0.4%
- CET1 ratio, Q2 2026
- 13.60%
- Domestic offices
- 36 FDIC institution directory, current count
- Routing number
- 031207940
- Latest call report
- Q2 2026, FFIEC 041 · The Bank of Princeton call report
- Holding company
- PRINCETON BANCORP, INC.
- Asset rank in state
- 18th of 49 in New Jersey
The Bank of Princeton leans heavily on commercial real estate. The Princeton, New Jersey bank had $2.3 billion in assets at June 30, 2026. It holds commercial real estate loans worth 3.8 times its capital, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.2 times). It also shrank its loan book 3.7% over the year, lower than about 9 in 10 banks its size (median 5.9%).
The non-owner-occupied commercial real estate book ($407 million) is worsening: 5.52% of it is past due or on nonaccrual, up from 3.55% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 3.7% and deposits rose 0.1%.
As of June 30, 2026, The Bank of Princeton reported a CET1 capital ratio of 13.60%, a return on assets of 1.32%, a nonperforming-loan ratio of 0.92% and a Texas ratio of 5.87%. The figures come from its call report filed with the FFIEC.
Of the 49 banks headquartered in New Jersey, The Bank of Princeton is the 18th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $2.25B, loans fell 2.6% and deposits fell 0.3%. Multifamily loans made up 26.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 23.0%. Its 36 offices in the FDIC Summary of Deposits are in 31 cities across 3 states; its Princeton 3 offices book 19% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Bank of Princeton meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 183 Bayard Ln, Princeton, NJ 08540
- County
- Mercer
- Metro Area
- Trenton-Princeton, NJ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 23, 2007
- Former names
- The Bank of Princeton (2019)
- Domestic offices
- 36 FDIC institution directory, current count
- Employees (FTE)
- 237
- Domestic deposits
- $1.94B
- Allowance for credit losses
- $20.0M
- Net charge-offs (YTD)
- -$243K
- Average total assets
- $2.25B
- Average total loans
- $1.80B
- Average interest-bearing deposits
- $1.79B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 23, 2007
- FDIC Cert
- 58513
- Fed RSSD
- 3595271
- SEC CIK
- 1913971 → filed by PRINCETON BANCORP, INC.
- Website
- WWW.THEBANKOFPRINCETON.COM →
- Parent Holding Company
- PRINCETON BANCORP, INC. (RSSD 5756133) · BPRN
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Edward J Dietzler | CEO | Chief Executive Officer |
| George S. Rapp | CFO | Chief Financial Officer |
| Daniel J. O'Donnell | COO | Chief Operating Officer |
| Matthew T. Clark | CIO | Chief Information Officer |
| Christopher Tonkovich | CCO | Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Bank of Princeton's total assets ranged from $1.91B (Q3 2023) to $2.34B (Q3 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.25B total assets against $2.24B; $1.98B total liabilities against $1.99B.
$1.75B net loans and leases against $1.82B; $1.94B total deposits against $1.94B.
$261.6M securities against $224.9M; $65.7M cash and balances due against $20.9M.
$32.3M total interest income against $32.8M; $11.6M total interest expense against $13.9M.
$20.6M net interest income against $18.9M.
$1.8M total noninterest income against $2.2M; $13.3M total noninterest expense against $13.2M.
-$353K provision for credit losses against $7.0M.
$7.4M net income against $1.0M.
1.32% return on assets against 0.17%; 3.97% net interest margin against 3.56%.
13.60% CET1 capital ratio against 12.00%; 11.69% tier 1 leverage ratio against 10.62%.
Inside the full The Bank of Princeton terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
The Bank of Princeton rankings
Its closest position to the top of a national ranking is 544 of 4,196, for total assets; its furthest is 1,225 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.76% (Q3 2024) to 1.32% (Q2 2026) and its net interest margin ran from 3.32% (Q4 2024) to 3.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.60% | 1.32% | 0.92% | 5.87% | 3.97% |
| Q1 2026 | 13.05% | 1.14% | 0.91% | 6.05% | 3.64% |
| Q4 2025 | 12.95% | 1.13% | 0.91% | 6.16% | 3.41% |
| Q3 2025 | 12.73% | 1.22% | 0.93% | 6.31% | 3.91% |
| Q2 2025 | 12.00% | 0.17% | 0.90% | 6.38% | 3.56% |
| Q1 2025 | 12.49% | 0.97% | 1.43% | 9.74% | 3.47% |
| Q4 2024 | 12.31% | 0.92% | 1.48% | 10.17% | 3.32% |
| Q3 2024 | 12.02% | -0.76% | 0.13% | 0.89% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
View all 36 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Princeton | Princeton , NJ | 08540 | $210.8M |
| Pennington Branch | Pennington , NJ | 08534 | $138.7M |
| Hamilton Branch | Hamilton , NJ | 08619 | $127.4M |
| Browns Mills Branch | Browns Mills , NJ | 08015 | $85.3M |
| Montgomery Branch | Princeton , NJ | 08540 | $79.2M |
| Burlington City Branch | Burlington City , NJ | 08016 | $75.7M |
| Princeton Branch | Princeton , NJ | 08542 | $74.7M |
| Bordentown Branch | Bordentown , NJ | 08505 | $72.1M |
| Lawrenceville Branch | Lawrenceville , NJ | 08648 | $68.8M |
| Chesterfield Branch | Chesterfield , NJ | 08515 | $65.2M |
| North Wales Branch | North Wales , PA | 19454 | $62.0M |
| Lambertville Branch | Lambertville , NJ | 08530 | $61.1M |
| Cheltenham Branch | Philadelphia , PA | 19126 | $60.9M |
| Medford Branch | Medford , NJ | 08055 | $60.1M |
| Quakerbridge Road Branch Office | Hamilton , NJ | 08619 | $58.5M |
| The Bank of Princeton Cream Ridge | Cream Ridge , NJ | 08514 | $53.6M |
| Monroe Branch | Monroe Township , NJ | 08831 | $52.3M |
| Deptford Office | Sewell , NJ | 08080 | $49.3M |
| Cornerstone Bank Branch | Moorestown , NJ | 08057 | $48.5M |
| Sicklerville Branch | Sicklerville , NJ | 08081 | $46.1M |
| Lakewood Branch Office | Lakewood , NJ | 08701 | $44.8M |
| Fort Lee Branch | Fort Lee , NJ | 07024 | $38.4M |
| The Bank of Princeton - West Windsor Branch | West Windsor , NJ | 08550 | $34.0M |
| Cherry Hill Branch | Cherry Hill , NJ | 08002 | $33.7M |
| Flushing Branch | Flushing , NY | 11354 | $32.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 24, 2024 | Structure Change | Acquired Cornerstone Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 23, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 20, 2023 | Structure Change | Acquired Noah Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 19, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2010 | Structure Change | Acquired MoreBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in NJ, rank 32 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 172 applications, 24 loans originated, $49.1M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $700K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Princeton
What are The Bank of Princeton's total assets?
As of the Q2 2026 filing, The Bank of Princeton reported total assets of $2.25 billion in its FFIEC call report.
Where is The Bank of Princeton headquartered?
It is headquartered in Princeton, NJ, United States.
When was The Bank of Princeton founded?
It was established in 2007, per the FDIC institution directory.
Is The Bank of Princeton FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58513). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Princeton?
The Bank of Princeton's primary federal regulator is the FDIC.
What is The Bank of Princeton's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.60% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Princeton operate?
It operates 36 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Princeton's Texas Ratio?
Its Texas Ratio is 5.87% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Bank of Princeton previously called?
The charter now named The Bank of Princeton has also operated as The Bank of Princeton (2019), per FDIC structure-change records.
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