The Bank of Princeton: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 45.1% lower than in Q1 2026, at $65.7M. Within New Jersey, The Bank of Princeton is 26th of 49 on loan-to-deposit ratio, 91.30% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Bank of Princeton sits 3.10 points higher, at 91.30% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $65.7M |
| Cash and noninterest-bearing balances to assets | 2.92% |
| Cash and securities | $327.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.30% |
| Net loans and leases to deposits | 90.28% |
| Loans and leases to core deposits | 103.95% |
| Core deposits to total deposits | 87.44% |
| Brokered deposits to total deposits | 0.39% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 91.46% | 85.09% | $0 | $0 |
| Q4 2023 | 94.61% | 85.50% | $0 | $0 |
| Q1 2024 | 92.11% | 84.37% | $0 | $0 |
| Q2 2024 | 92.57% | 84.05% | $0 | $0 |
| Q3 2024 | 89.48% | 86.77% | $0 | $0 |
| Q4 2024 | 89.45% | 87.27% | $0 | $0 |
| Q1 2025 | 92.30% | 86.80% | $0 | $0 |
| Q2 2025 | 94.87% | 86.82% | $0 | $10.0M |
| Q3 2025 | 92.77% | 86.46% | $0 | $0 |
| Q4 2025 | 91.70% | 86.09% | $0 | $0 |
| Q1 2026 | 93.43% | 86.66% | $0 | $0 |
| Q2 2026 | 91.30% | 87.44% | $0 | $0 |
The Bank of Princeton liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Princeton, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Princeton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58513) · FFIEC NIC profile (RSSD 3595271)