Total Assets
$2.3B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$2.0B
Customer-funded liabilities
Net Loans
$1.8B
Outstanding loan book
Net Income
$20M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
34th percentile nationally
0.87%
Return on Equity (ROE)
7.58%
Efficiency Ratio
61.49%
What the numbers say about The Bank of Princeton
The Bank of Princeton is an FDIC-insured institution (Certificate #58513) headquartered in Princeton, New Jersey, established in 2007. It holds $2.3B in total assets - 533rd of 4,313 FDIC-insured banks, $2.0B in customer deposits, and $1.8B in net loans. Capital-wise, the Tier 1 ratio sits at 12.95%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 5.79%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Bank of Princeton sits 16th of 51 banks headquartered in New Jersey by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in New Jersey by total assets
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.
Other banks in New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The Bank of Princeton's health grade?▼
The Bank of Princeton receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Bank of Princeton?▼
The Bank of Princeton holds $2.3B in total assets and $2.0B in deposits, ranking 533rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Princeton, New Jersey.
Is my money safe at The Bank of Princeton?▼
Yes, deposits at The Bank of Princeton (Certificate #58513) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Bank of Princeton's Tier 1 Capital Ratio?▼
The Bank of Princeton has a Tier 1 Capital Ratio of 12.95%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Bank of Princeton?▼
The Bank of Princeton has a Texas Ratio of 5.79%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Bank of Princeton?▼
The Bank of Princeton has an Efficiency Ratio of 61.49%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Bank of Princeton's profile as a depositor or analyst.
- The Bank of Princeton's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Bank of Princeton against other New Jersey banks before moving funds. New Jersey banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.