Princeton Bancorp Reports Strong Q3 2025 Earnings

Bank of Princeton ( (BPRN) ) has released its Q3 earnings. Here is a breakdown of the information Bank of Princeton presented to its investors.

Princeton Bancorp, Inc. is the holding company for The Bank of Princeton, a community bank operating 28 branches across New Jersey, with additional branches in Pennsylvania and New York. The bank is known for its focus on serving local communities and is a member of the Federal Deposit Insurance Corporation.

In its latest earnings report for the third quarter of 2025, Princeton Bancorp announced a significant improvement in its financial performance. The company reported a net income of $6.5 million, translating to an earnings per share (EPS) of $0.95. This marks a substantial increase from the previous quarter’s net income of $688,000 and a stark contrast to the net loss of $4.5 million reported in the same quarter of the previous year.

Key financial highlights include a 23-basis-point increase in the net interest margin to 3.77%, driven by higher asset yields and reduced funding costs. The bank also reported a decrease in total assets to $2.23 billion, primarily due to reductions in cash and investment securities. Despite this, the bank’s net interest income rose to $19.6 million, supported by a decrease in interest expenses and an increase in net interest margin.

The bank’s asset quality improved, with non-performing assets decreasing by $10.4 million, largely due to charge-offs. However, total deposits decreased by $104 million, reflecting a broader trend of declining deposits across various categories. Stockholders’ equity saw a modest increase, driven by higher retained earnings and paid-in capital.

Looking ahead, Princeton Bancorp remains focused on maintaining strong liquidity and managing its asset portfolio effectively. The bank’s management is optimistic about continuing its growth trajectory, despite potential economic challenges and market volatility.