BlastPoint's Banking Scorecard
The Bank of Princeton
Designations: ✓ Community bank
Princeton, NJ
36 branches across NJ · PA · NY
The Bank of Princeton has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.21% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.6% in tier
- - Capital Constraint: Bottom 54.0% in tier
- - ROA 0.22% below tier average
- - Net Interest Margin 0.14% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
-2.8% YoY
-1.3% QoQ
|
-$562.3M |
$2.8B
-0.1% YoY
|
$4.1B
+2.0% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$1.8B
-1.8% YoY
+0.2% QoQ
|
-$165.7M |
$2.0B
+0.6% YoY
|
$3.1B
+1.9% YoY
|
$3.2B
+10.8% YoY
|
63% |
| Total Deposits ? |
$1.9B
-3.2% YoY
-1.7% QoQ
|
-$396.3M |
$2.3B
-0.3% YoY
|
$3.3B
+2.8% YoY
|
$4.8B
+8.2% YoY
|
58% |
| Return on Assets ? |
1.14%
+17.1% YoY
+31.2% QoQ
|
-0.22% |
1.37%
+19.6% YoY
|
0.42%
-40.1% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
3.68%
+4.3% YoY
+1.2% QoQ
|
-0.14% |
3.82%
+6.9% YoY
|
3.07%
+6.4% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
60.85%
-3.9% YoY
-1.0% QoQ
|
-0.21% |
61.06%
-4.6% YoY
|
81.63%
+9.7% YoY
|
66.95%
-4.1% YoY
|
47% |
| Delinquency Rate ? |
0.92%
-36.7% YoY
-0.8% QoQ
|
+0.03% |
0.89%
+14.1% YoY
|
0.74%
-28.2% YoY
|
0.95%
+18.8% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
92.40%
+1.4% YoY
+1.9% QoQ
|
+8.20% |
84.20%
+0.3% YoY
|
82.02%
-3.5% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
15.57%
+7.8% YoY
+7.9% QoQ
|
-5.71% |
21.29%
-2.5% YoY
|
16.85%
-1.4% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.73%
-36.1% YoY
+0.7% QoQ
|
+0.06% |
0.67%
+15.6% YoY
|
0.57%
-26.7% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
13.05%
+4.5% YoY
+0.8% QoQ
|
-2.11% |
15.16%
+2.0% YoY
|
20.47%
+20.0% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.10%
+3.0% YoY
-73.9% QoQ
|
-0.16% |
0.26%
+1.6% YoY
|
0.39%
-6.4% YoY
|
0.32%
+4.1% YoY
|
31% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.