The Bank of Princeton: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 4.32 percentage points higher than in Q1 2026, at 11.63%. The Bank of Princeton ranks 11th of 49 New Jersey banks on return on assets, in the upper half at 1.32% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. The Bank of Princeton sits 0.04 points higher, at 1.32% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.60% |
| Tier 1 risk-based capital ratio | 13.60% |
| Total risk-based capital ratio | 14.67% |
| Tier 1 leverage ratio | 11.69% |
| Equity capital to assets | 12.22% |
| Tangible equity to tangible assets | 11.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.21% |
| Non-performing assets ratio | 0.96% |
| Net charge-off ratio | -0.05% |
| Texas ratio | 7.73% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 92.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 10.91% |
| Net interest margin | 3.97% |
| Efficiency ratio | 58.16% |
| Yield on earning assets | 6.20% |
| Cost of funds | 2.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.30% |
| Core deposits to total deposits | 87.44% |
| Brokered deposits to total deposits | 0.39% |
| Deposits to assets | 86.22% |
| Securities to assets | 11.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.87% | 13.87% | 14.94% | 12.38% | 1.61% |
| Q4 2023 | 13.61% | 13.61% | 14.68% | 12.29% | 1.10% |
| Q1 2024 | 13.26% | 13.26% | 14.31% | 11.99% | 0.92% |
| Q2 2024 | 13.62% | 13.62% | 14.66% | 12.20% | 1.09% |
| Q3 2024 | 12.02% | 12.02% | 13.17% | 11.44% | -0.76% |
| Q4 2024 | 12.31% | 12.31% | 13.49% | 10.58% | 0.92% |
| Q1 2025 | 12.49% | 12.49% | 13.69% | 10.91% | 0.97% |
| Q2 2025 | 12.00% | 12.00% | 13.07% | 10.62% | 0.17% |
| Q3 2025 | 12.73% | 12.73% | 13.80% | 11.15% | 1.22% |
| Q4 2025 | 12.95% | 12.95% | 14.01% | 11.13% | 1.13% |
| Q1 2026 | 13.05% | 13.05% | 14.10% | 11.36% | 1.14% |
| Q2 2026 | 13.60% | 13.60% | 14.67% | 11.69% | 1.32% |
The Bank of Princeton vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Princeton, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)