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Princeton Bancorp
Princeton Bancorp (BPRN) investor relations material
Princeton Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved net income of $6.1 million and diluted EPS of $0.90 for Q4 2025, with non-interest income up 11% and operating expenses down 8.5% sequentially.
Full-year 2025 net income was $18.6 million ($2.71 per diluted share), up from $10.2 million ($1.55 per share) in 2024, reflecting the absence of prior-year merger-related expenses.
Financial highlights
Q4 2025 net interest income was $18.6 million, down $1.0 million sequentially but up $623 thousand year-over-year.
Net interest margin for Q4 2025 was 3.51%, down 26 bps sequentially, up 23 bps year-over-year.
Total assets at year-end 2025 were $2.28 billion, down 2.44% from 2024, mainly due to a $66.6 million decrease in investment securities.
Total deposits decreased 2.78% year-over-year to $1.98 billion, with notable declines in certificates of deposit and money market accounts.
Book value per share at year-end was $40.01, up 5.1% year-over-year; tangible book value per share was $37.48, up 5.7%.
Outlook and guidance
Management highlighted strong liquidity and capital positions, with continued focus on operational efficiency and risk management.
Forward-looking statements caution on economic, regulatory, and geopolitical risks that could impact future results.
Analyze Q4 2025 NIM decline drivers
Assess 2025 charge-offs impact on non-performing assets
Detail 'other non-interest income' Q4 2025 drivers
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Next Princeton Bancorp earnings date
Q1 202623 Apr, 2026
Princeton Bancorp
Next Princeton Bancorp earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Princeton Bancorp, Inc. operates as the bank holding company for The Bank of Princeton, offering a broad range of financial services primarily in New Jersey and Pennsylvania. The company provides various deposit products, including checking and savings accounts, money market accounts, and certificates of deposit. It also extends loans for residential and commercial purposes, including one-to-four-family residential mortgages, multi-family and commercial mortgages, construction loans, and business loans. In addition to traditional banking, Princeton Bancorp offers services like debit and credit cards, online and mobile banking, and merchant credit card processing. The company is headquartered in Princeton, New Jersey, and its shares are listed on the NASDAQ.
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