BlastPoint's Banking Scorecard
The Bank of Princeton
Community
Specialty: Commercial
NJ
FDIC cert 58513
Princeton, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
The Bank of Princeton faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5% in Community
- - Deposit Outflow: Bottom 40% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
-2.5% YoY
+2.4% QoQ
|
+$891.3M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$1.8B
+0.0% YoY
+1.3% QoQ
|
+$820.6M |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$2.0B
-2.6% YoY
+2.4% QoQ
|
+$816.2M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
85% |
| Return on Assets ? |
0.87%
+63.5% YoY
+10.6% QoQ
|
-0.29% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.63%
+5.7% YoY
-1.9% QoQ
|
-0.03% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
61.49%
-16.7% YoY
-1.4% QoQ
|
-1.14% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.92%
-38.2% YoY
-2.0% QoQ
|
+0.29% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
90.67%
+2.7% YoY
-1.1% QoQ
|
+7.61% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
14.44%
-2.4% YoY
-5.1% QoQ
|
-6.61% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.73%
-37.4% YoY
-3.1% QoQ
|
+0.23% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
12.95%
+5.2% YoY
+1.7% QoQ
|
+2.70% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.37%
+8.8% YoY
+47.1% QoQ
|
-0.37% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#27 of 513 · Bottom 5% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.67%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Deposit Outflow
decline
#99 of 248 · Bottom 40% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
67
67th pctile
Loan-to-Deposit Ratio
Current: 90.67% · Tier avg: 83.06%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.95% · Tier avg: 10.24%
52
52th pctile
Efficiency Ratio
Current: 61.49% · Tier avg: 62.63%
49
49th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.66%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
30
30th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.50%
27
27th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.63%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.44% · Tier avg: 21.05%
Top Weaknesses
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.44% · Tier avg: 21.05%
27
27th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.63%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.50%
30
30th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
32
32th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.74%
49
49th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.66%
52
52th pctile
Efficiency Ratio
Current: 61.49% · Tier avg: 62.63%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.95% · Tier avg: 10.24%
67
67th pctile
Loan-to-Deposit Ratio
Current: 90.67% · Tier avg: 83.06%
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M