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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New Jersey, the state note

Bank of Princeton

Princeton, New Jersey · $2.25B in assets · beside the 8 other New Jersey banks between $1B and $3B

The filing

0.92%
NPA / loans
9th of 9
60.6%
CRE / loans
8th of 9
-3.7%
Loans, year over year
8th of 9, largest first

Bank of Princeton is the third largest of the 9 New Jersey banks between $1B and $3B, with $2.25B in assets at 30 June 2026. Loans are 91.3% of deposits, 4th of 9 against a median of 98.1%, and equity is 12.2% of assets, 4th of 9. Loans grew -3.7% in the year, 8th of 9, and deposits grew 0.1%; the cohort's median loan growth is +5.0%.

Noncurrent loans are 0.92% of the book, the highest in the cohort against a median of 0.27%; 0.55% is 30 to 89 days past due, and the allowance covers them 1.2 times. Commercial real estate is 60.6% of loans, 8th of 9 against a median of 39.7%, and 382% of capital, above the 300% screen, with construction at 71% against the 100% screen.

Return on assets is 1.24%, 3rd of 9 against a median of 0.94%, on an efficiency ratio of 60.4%, 3rd of 8. Five years ago it was 1.26%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 20.3% of loans).

Nonperforming loans, share of loansNJ banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.27% BT Bessemer Trust Co. 0.00% SR Somerset Regal Bank 0.00% MB Magyar Bank 0.04% SS Sturdy Savings Bank 0.15% PB Parke Bank 0.27% FC First Commerce Bank 0.72% BF Blue Foundry Bank 0.82% UC Union County Savings Bank 0.91% Bo Bank of Princeton 0.92%
Loans, year over yearNJ banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +5.0% FC First Commerce Bank +13.5% SR Somerset Regal Bank +13.1% UC Union County Savings Bank +8.1% MB Magyar Bank +5.2% PB Parke Bank +5.0% SS Sturdy Savings Bank +2.4% BF Blue Foundry Bank -0.3% Bo Bank of Princeton -3.7% BT Bessemer Trust Co. -5.1%

SBA 7(a), FY2008 to FY2026

Bank of Princeton is the 11th largest 7(a) lender into New York of 402, with $463M across 466 loans, 2.4% of everything approved in the state (Manufacturers and Traders Trust Company leads with $1.26B). 103 of its 105 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New York, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
New York, NY$146M4th of 2085.2%-0.0 pts
Bergen, NJ$98M4th of 1615.5%quiet FY2021
Queens, NY$81M5th of 1554.3%quiet FY2022
Kings, NY$47M12th of 1691.9%quiet FY2019
Philadelphia, PA$39M10th of 1473.1%quiet FY2022
Bronx, NY$37M3rd of 1085.7%quiet FY2019
Bucks, PA$26M13th of 1402.2%quiet FY2019
Nassau, NY$26M14th of 1711.5%quiet FY2021
Suffolk, NY$21M20th of 1741.2%quiet FY2020
Middlesex, NJ$21M20th of 1501.6%quiet FY2022
Passaic, NJ$19M8th of 1113.3%quiet FY2021
Montgomery, PA$19M19th of 1601.3%quiet FY2022
Morris, NJ$18M13th of 1262.0%quiet FY2020
92 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services350$502M48.5%0.65%39th of 2,596
Retail trade356$235M22.7%0.39%50th of 2,589
Other services199$89M8.6%0.25%75th of 2,248
Wholesale trade67$52M5.1%0.20%92nd of 1,651
Manufacturing29$40M3.9%0.10%181st of 2,246
7(a) lenders into New York, share of approvals since FY2008402 lenders on record; the ten largest and Bank of Princeton
Ma Manufacturers and Traders Trust C… 6.5% $1.26B · 10,321 loans N Newbank 6.4% $1.24B · 1,163 loans JC JPMorgan Chase Bank, National Ass… 5.6% $1.09B · 8,716 loans TB TD Bank, National Association 5.5% $1.07B · 8,357 loans LO Live Oak Banking Company 4.0% $774M · 638 loans KN KeyBank National Association 3.7% $717M · 3,387 loans NS Newtek Small Business Finance, In… 2.9% $571M · 760 loans FB Finwise Bank 2.8% $542M · 476 loans Bo Bank of Hope 2.7% $518M · 1,174 loans DC Dime Commercial Bank 2.6% $507M · 575 loans TB The Bank of Princeton 2.4% $463M · 466 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Bank of PrincetonRankCohort median
Total CRE against capital, the 300% screen382%8th of 9254%
Construction against capital, the 100% screen71%9th of 923%
Construction and land development, share of loans11.3%9th of 94.1%
Non-owner-occupied nonfarm nonresidential, share of loans23.0%5th of 923.0%
Total CRE, the guidance definition, share of loans60.6%8th of 939.7%
CRE growth over 36 months, the third prong+2.5%2nd of 8+41.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Bessemer Trust Co.$2.36B2.0%70.3%0.00%0.00%0.0%11.2%5.6%
Parke Bank$2.30B2.2%29.6%0.27%0.10%1.7%115.2%15.5%
Bank of Princeton$2.25B1.2%60.4%0.92%-0.03%1.1%91.3%12.2%
First Commerce Bank$1.96B0.9%63.1%0.72%0.00%1.0%108.4%9.8%
Blue Foundry Bank$1.89B-1.4%111.8%0.82%0.14%0.9%135.7%14.8%
Union County Savings Bank$1.48B-1.3%no record0.91%0.00%0.6%22.9%-1.6%
Somerset Regal Bank$1.19B0.3%82.5%0.00%0.00%0.7%98.1%15.0%
Sturdy Savings Bank$1.14B0.7%72.1%0.15%0.00%0.5%63.3%8.5%
Magyar Bank$1.05B1.2%52.0%0.04%0.07%1.0%103.2%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank of PrincetonCohort median
20212026Change20212026Change
Loans$1.39B$1.77B+27%$613M$907M+48%
Deposits$1.40B$1.94B+39%$1.00B$1.35B+35%
NPA / loans0.23%0.92%+0.69 pts0.99%0.27%-0.73 pts
Efficiency52.3%60.4%+8.1 pts63.0%66.7%+3.7 pts
ROA1.26%1.24%-0.02 pts0.84%0.94%+0.10 pts

This read was prepared for Bank of Princeton's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bank of Princeton is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NJ banks $1B to $3B
Institution WWW.THEBANKOFPRINCETON.COM

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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