BlastPoint's Banking Scorecard

The Bank of Princeton

$1B-$10B Specialty: Commercial NJ FDIC cert 58513

Designations: ✓ Community bank

Princeton, NJ

36 branches across NJ · PA · NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in NJ.
Deposits +0.1% year over year ($1.9B on the books).
Delinquency rate 0.93%.
Return on assets 1.23%.
Efficiency ratio 59.57% vs a 59.73% peer average.
Loan-to-deposit ratio 90.28% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 18 in NJ

View $1B-$10B leaderboard (NJ) →

The Bank of Princeton has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 0.16% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 1.4% in tier
- Flatlined Growth: Bottom 49.4% in tier
- ROA 0.16% below tier average
- Delinquency Rate 0.07% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Total Assets ?	$2.3B +0.4% YoY -0.1% QoQ	-$543.0M	$2.8B -0.6% YoY	$4.4B +7.9% YoY	$6.3B +7.7% YoY	56%
Total Loans ?	$1.8B -3.7% YoY -2.6% QoQ	-$211.7M	$2.0B -0.3% YoY	$3.3B +6.8% YoY	$3.2B +9.4% YoY	61%
Total Deposits ?	$1.9B +0.1% YoY -0.3% QoQ	-$378.6M	$2.3B -0.5% YoY	$3.6B +8.2% YoY	$4.9B +7.3% YoY	58%
Return on Assets ?	1.23% +111.5% YoY +7.6% QoQ	-0.16%	1.39% +17.0% YoY	0.53% -11.1% YoY	1.30% +12.1% YoY	47%
Net Interest Margin ?	3.83% +7.0% YoY +4.3% QoQ	-0.04%	3.87% +6.2% YoY	3.11% +4.3% YoY	3.95% +4.9% YoY	58%
Efficiency Ratio ?	59.57% -4.6% YoY -2.1% QoQ	-0.16%	59.73% -12.6% YoY	78.52% +3.6% YoY	70.05% +2.5% YoY	48%
Delinquency Rate ?	0.93% +2.6% YoY +1.8% QoQ	+0.07%	0.87% +11.7% YoY	0.69% -16.2% YoY	0.98% +16.3% YoY	29%
Loan-to-Deposit Ratio ?	90.28% -3.7% YoY -2.3% QoQ	+5.24%	85.04% -0.1% YoY	81.90% -3.2% YoY	79.03% +2.3% YoY	40%
Non-Interest-Bearing Deposit Share ?	15.94% +3.0% YoY +2.3% QoQ	-5.33%	21.27% -1.5% YoY	16.56% -0.1% YoY	21.98% -0.6% YoY	31%
Nonperforming Asset Ratio ?	0.73% -1.6% YoY -0.7% QoQ	+0.05%	0.67% +11.7% YoY	0.61% -0.3% YoY	0.69% +15.8% YoY	31%
Tier 1 Capital Ratio ?	13.60% +13.3% YoY +4.2% QoQ	-1.24%	14.84% -0.4% YoY	19.31% +2.7% YoY	17.09% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.18% -8.0% YoY +84.3% QoQ	-0.35%	0.53% +2.5% YoY	0.77% -2.9% YoY	0.66% +5.2% YoY	27%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Noninterest-Bearing	15.9% +0.5pp YoY +0.4pp QoQ	-5.4pp	21.4%	16.6%	22.2%	31%
Brokered Deposits	0.4% -1.4pp YoY -0.6pp QoQ	-9.1pp	9.5%	10.1%	8.5%	10%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
C&I	2.7% -0.4pp YoY -0.2pp QoQ	-11.3pp	14.0%	6.5%	12.5%	9%
CRE	81.8% -5.6pp YoY -1.1pp QoQ	+31.8pp	50.0%	56.3%	41.4%	96%
1-4 Family	14.8% +4.7pp YoY +0.9pp QoQ	-11.6pp	26.4%	39.4%	31.3%	30%
Consumer	1.9% +1.7pp YoY +0.8pp QoQ	-2.8pp	4.7%	4.3%	5.0%	62%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
CET1 Ratio	13.6% +1.6pp YoY +0.5pp QoQ	-2.0pp	15.6%	18.8%	19.7%	52%
Leverage Ratio	11.7% +1.1pp YoY +0.3pp QoQ	+0.4pp	11.3%	13.4%	12.6%	73%
Total Capital Ratio	14.7% +1.6pp YoY +0.6pp QoQ	-2.0pp	16.7%	19.8%	20.8%	50%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Full-Time Employees	237 -10 (-4.0%) YoY 0 QoQ	-77	313	336	482	50%
Assets per Employee ($)	$9.5M +4.6% YoY -0.1% QoQ	-$987K	$10.5M	$11.2M	$8.8M	60%
Branch Count	36 +1 (+2.9%) YoY +1 (+2.9%) QoQ	+16	20	20	18	87%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.9% 0.0pp YoY 0.0pp QoQ	+0.1pp	0.8%	0.8%	1.0%	72%
Allowance Coverage	1.22x -3.9% YoY +0.5% QoQ	-17.49x	18.71x	6.57x	20.23x	31%
Net Charge-off Rate (YTD)	-0.0% -1.1pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.2%	4%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
ROE	10.3% +5.2pp YoY +0.6pp QoQ	-2.3pp	12.6%	6.4%	11.6%	36%
Cost of Funds (YTD)	2.3% -0.4pp YoY -0.1pp QoQ	+0.4pp	1.9%	1.9%	1.7%	78%
Net Income ($, YTD)	$13.9M +108.0% YoY — QoQ	-$5.3M	$19.2M	$19.8M	$40.4M	56%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#6 of 361 • Bottom 1.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.28%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#81 of 162 • Bottom 49.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.23%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available