The Bank of Princeton: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 25.30 percentage points lower than in Q1 2026, at 382.37%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.77B |
| Net loans and leases | $1.75B |
| Loans held for sale | $0 |
| Loans to total assets | 78.72% |
| Loan-to-deposit ratio | 91.30% |
| Net loans to equity capital | 6.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.05% |
| Multifamily (5+ residential) | 26.24% |
| Commercial and industrial | 2.67% |
| Consumer | 1.88% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 382.37% |
| Construction concentration (Tier 1 capital + allowance) | 71.07% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.52% |
| Interest income on loans | $29.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.50B | $1.64B | 47.96% | 2.48% | 0.02% |
| Q4 2023 | $1.55B | $1.64B | 45.70% | 2.45% | 0.02% |
| Q1 2024 | $1.57B | $1.71B | 44.13% | 2.00% | 0.02% |
| Q2 2024 | $1.57B | $1.70B | 44.39% | 2.10% | 0.02% |
| Q3 2024 | $1.83B | $2.05B | 45.20% | 3.60% | 0.02% |
| Q4 2024 | $1.82B | $2.03B | 44.82% | 3.21% | 0.01% |
| Q1 2025 | $1.86B | $2.01B | 45.38% | 3.19% | 0.06% |
| Q2 2025 | $1.84B | $1.94B | 44.82% | 3.06% | 0.24% |
| Q3 2025 | $1.79B | $1.93B | 45.37% | 3.07% | 0.28% |
| Q4 2025 | $1.82B | $1.98B | 44.35% | 2.87% | 0.47% |
| Q1 2026 | $1.82B | $1.95B | 43.34% | 2.92% | 1.07% |
| Q2 2026 | $1.77B | $1.94B | 43.05% | 2.67% | 1.88% |
The Bank of Princeton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Princeton, freeSource: Call Report Schedule RC-C, 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)