FDIC Cert #58513 · Princeton, New Jersey · Est. 2007

The Bank of Princeton - FDIC Bank Health Profile

A community-scale look at The Bank of Princeton's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$2.3B
Total assets
B
Health grade · Good
0.87%
Return on assets
12.9%
Tier 1 capital

Data updated July 2026

The verdict

The Bank of Princeton earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.95% Tier 1, 0.87% ROA, 61% efficiency ratio.

#533
largest of 4,313 FDIC banks by assets
88th
percentile by asset size, nationally
12.95%
Tier 1 ratio - above the 10% well-capitalized line
34th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 58513 · NJ B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2714/4307
  • PHOTO-FINISH Old Dominion Nationa… · VA
  • TIER1-WELL 12.9% Tier 1
  • TEXAS-CLEAN 5.8% Texas
  • ROA-PAR 0.87% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside New Jersey: Old Dominion National Bank, VA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Bank of Princeton

Lowest and highest poles plus nearest scored peers outside New Jersey, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Bank Delaw… · DE ·…73/100Great Nations Bank · OK · ne…73/100Investar Bank, Natio… · LA ·…73/100Old Dominion Nationa… · VA ·…73/100The Bank of Princeton · NJ ·…73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Bank of Princeton · July 2026

What The Bank of Princeton's Call Report plate shows

The Bank of Princeton (FDIC Cert #58513) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,714 of 4,307. Tier 1 capital prints at 12.95%, clearing the 10% well-capitalized line. The Texas Ratio is 5.79%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.87%. Balance-sheet scale is $2.3B, 533rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Old Dominion National Bank (VA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Bank of Princeton

8 FAILURE resolutions in New Jersey since 2000 (7 since 2008)

The Bank of Princeton's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Bank of Princeton remains an active FDIC-insured reporter.

  • CITY NATIONAL BANK OF NEW JERSEY NEWARK, NJ 2019 → INDUSTRIAL BANK
  • HARVEST COMMUNITY BANK PENNSVILLE, NJ 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FORT LEE FEDERAL SAVINGS BANK, FSB FORT LEE, NJ 2012 → ALMA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New Jersey banks.

How The Bank of Princeton's 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
The Bank of Princeton's composite health score
Tier 1 Capital Ratio (12.95%) 35/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (5.79%) 16/20
Efficiency Ratio (61.49%) 8/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$2.3B

Total balance-sheet footings

Total Deposits

$2.0B

Customer-funded liabilities

Net Loans

$1.8B

Outstanding loan book

Net Income

$20M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.55% 12.95% 14.35%
Basel III capital ratios - The Bank of Princeton

Where The Bank of Princeton ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of Princeton's score of 73/100 falls in the highlighted band.

The Bank of Princeton: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 37th percentile higher than 37% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Bank of Princeton 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Bank of Princeton's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Bank of Princeton's $2.3B falls in the highlighted band.

Safety ratios for The Bank of Princeton

Tier 1 capital ratio
Well-capitalized 10%

12.95% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.95%
Texas Ratio
5.79%
Equity Capital
$266M

What these ratios mean →

Profitability metrics: The Bank of Princeton

Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
7.58%
Efficiency Ratio
61.49%

What these mean →

Income & expense at The Bank of Princeton

$131M
Interest Income
$8M
Non-Interest Income
$53M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of Princeton reports a Texas Ratio of 5.79% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.79% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Bank of Princeton on FDIC BankFind →

Top banks in New Jersey by total assets

Largest banks headquartered in New Jersey
  1. 1
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  2. 2
    Provident Bank $24.9B

    Jersey City, NJ · Grade A

  3. 3
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

Top 5 banks in New Jersey ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.3B here), outside New Jersey so the neighborhood is not state containment.

FVCbank $2.3B · VA The First National Bank of Fort Smith $2.3B · AR First County Bank $2.3B · CT Cashmere Valley Bank $2.3B · WA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bank of Princeton (FDIC Cert #58513) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

The Bank of Princeton Call Report profile · FDIC Failed Bank List · New Jersey FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Jersey

All New Jersey banks →
BankAssetsGradeROA
Valley National BankPassaic $64.1B B 0.99%
Provident BankJersey City $24.9B A 1.28%
OceanFirst Bank, National AssociationToms River $14.5B B 0.61%
ConnectOne BankEnglewood Cliffs $14.0B A 0.77%
Columbia BankFair Lawn $11.0B B 0.48%
Cross River BankFort Lee $8.1B C 0.29%
Kearny BankKearny $7.6B C 0.43%
Peapack Private Bank & TrustBedminster $7.5B C 0.57%