The Bank of Princeton

183 Bayard Lane
Princeton, NJ 08540
609-921-1700
www.thebankofprinceton.com

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The Bank of Princeton is headquartered in Princeton and is the 31^st largest bank in the state of New Jersey. It is also the 930^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 100 employees at 11 locations. The Bank of Princeton has a 4-star health rating.

The Bank of Princeton Routing Number: 031207940

Top CD Rates in The Bank of Princeton in New Jersey - Local Only - 8/18/2011

The Bank of Princeton is offering several competitive long-term CD and IRA CD rates. The best ones include a 1.75% APY 2-year CD, 2.00% APY 3-year CD and a 2.75% APY 5-year CD. Minimum deposit is $500 ...

3.35% 4-Year CD at The Bank of Princeton in New Jersey - Local Only - 2/28/2010

The Bank of Princeton is offering a special CD with a 3.35% APY for terms of 4 and 5 years. This special is listed in the bank's promotions page as of 2/28/2010. There are no details listed. It appea ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

The Bank of Princeton Checking Account Rates

Apy	Min	Max	Product
0.25%	$250k	-	Premier Business Checking
0.05%	$1k	-	Premier Checking
0.05%	$500	-	Classic Checking

The Bank of Princeton Savings Account Rates

Apy	Min	Max	Product
0.80%	$250k	-	Wise Savings
0.50%	-	-	IRA Savings
0.50%	-	-	Roth IRA Savings
0.40%	$250k	-	Wise Business Savings
0.10%	-	-	Landlord Savings
0.10%	-	-	Tenant Savings

The Bank of Princeton Money Market Rates

Apy	Min	Max	Product
0.75%	$250k	-	Priority Money Market
0.40%	$250k	-	Business Money Market

The Bank of Princeton CD Rates

Apy	Min	Max	Product
1.70%	$500	$100k	60 Month CD
1.70%	$500	$100k	Business 60 Month CD
1.60%	$100k	-	60 Month Jumbo CD
1.60%	$100k	-	Business 60 Month Jumbo CD
1.40%	$500	$100k	48 Month CD
1.40%	$500	$100k	Business 48 Month CD
1.30%	$500	$100k	36 Month CD
1.30%	$500	$100k	Business 36 Month CD
1.30%	$100k	-	48 Month Jumbo CD
1.30%	$100k	-	Business 48 Month Jumbo CD
1.20%	$100k	-	36 Month Jumbo CD
1.20%	$100k	-	Business 36 Month Jumbo CD
1.10%	$500	$100k	24 Month CD
1.10%	$500	$100k	Business 24 Month CD
1.00%	$100k	-	24 Month Jumbo CD
1.00%	$100k	-	Business 24 Month Jumbo CD
0.90%	$500	$100k	18 Month CD
0.90%	$500	$100k	Business 18 Month CD
0.80%	$100k	-	18 Month Jumbo CD
0.80%	$100k	-	Business 18 Month Jumbo CD
0.70%	$500	$100k	12 Month CD
0.70%	$500	$100k	Business 12 Month CD
0.65%	$500	$100k	11 Month CD
0.65%	$500	$100k	Business 11 Month CD
0.60%	$500	$100k	10 Month CD
0.60%	$500	$100k	Business 10 Month CD
0.60%	$100k	-	12 Month Jumbo CD
0.60%	$100k	-	Business 12 Month Jumbo CD
0.55%	$500	$100k	9 Month CD
0.55%	$500	$100k	Business 9 Month CD
0.55%	$100k	-	11 Month Jumbo CD
0.55%	$100k	-	Business 11 Month Jumbo CD
0.50%	$500	$100k	8 Month CD
0.50%	$500	$100k	Business 8 Month CD
0.50%	$100k	-	10 Month Jumbo CD
0.50%	$100k	-	Business 10 Month Jumbo CD
0.45%	$500	$100k	7 Month CD
0.45%	$500	$100k	Business 7 Month CD
0.45%	$100k	-	9 Month Jumbo CD
0.45%	$100k	-	Business 9 Month Jumbo CD
0.40%	$500	$100k	6 Month CD
0.40%	$500	$100k	Business 6 Month CD
0.40%	$100k	-	8 Month Jumbo CD
0.40%	$100k	-	Business 8 Month Jumbo CD
0.35%	$500	$100k	5 Month CD
0.35%	$500	$100k	Business 5 Month CD
0.35%	$100k	-	7 Month Jumbo CD
0.35%	$100k	-	Business 7 Month Jumbo CD
0.30%	$500	$100k	4 Month CD
0.30%	$500	$100k	Business 4 Month CD
0.30%	$100k	-	6 Month Jumbo CD
0.30%	$100k	-	Business 6 Month Jumbo CD
0.25%	$500	$100k	3 Month CD
0.25%	$500	$100k	Business 3 Month CD
0.25%	$100k	-	5 Month Jumbo CD
0.25%	$100k	-	Business 5 Month Jumbo CD
0.20%	$100k	-	4 Month Jumbo CD
0.20%	$100k	-	Business 4 Month Jumbo CD
0.15%	$100k	-	3 Month Jumbo CD
0.15%	$100k	-	Business 3 Month Jumbo CD

The Bank of Princeton IRA Rates

Apy	Min	Max	Product
1.70%	$500	$100k	60 Month IRA
1.70%	$500	$100k	60 Month Roth IRA
1.60%	$100k	-	60 Month Jumbo IRA
1.60%	$100k	-	60 Month Jumbo Roth IRA
1.45%	$500	$100k	48 Month Roth IRA
1.40%	$500	$100k	48 Month IRA
1.30%	$500	$100k	36 Month IRA
1.30%	$100k	-	48 Month Jumbo IRA
1.30%	$500	$100k	36 Month Roth IRA
1.30%	$100k	-	48 Month Jumbo Roth IRA
1.20%	$100k	-	36 Month Jumbo IRA
1.20%	$100k	-	36 Month Jumbo Roth IRA
1.10%	$500	$100k	24 Month IRA
1.10%	$500	$100k	24 Month Roth IRA
1.00%	$100k	-	24 Month Jumbo IRA
1.00%	$100k	-	24 Month Jumbo Roth IRA
0.70%	$500	$100k	12 Month IRA
0.70%	$500	$100k	12 Month Roth IRA
0.60%	$100k	-	12 Month Jumbo IRA
0.60%	$100k	-	12 Month Jumbo Roth IRA

Rates updated: 5/16/2012

Data for Q1 2012

Institution Statistics

The Bank of Princeton
FDIC Certificate #	58513
BankRate Report	View
Year Established	2007
Employees	100
Primary Regulator	FDIC
Assets and Liabilities
Assets	$715.51 million
Loans	$441.59 million
Deposits	$611.86 million
Equity Capital	$55.08 million
Loan Loss Allowance	$5.82 million
Unbacked Noncurrent Loans	$8.07 million
Real Estate Owned	$1.52 million
Historic Data - March 2011
Assets	$523.42 million
Equity Capital	$41.96 million
Loan Loss Allowance	$3.84 million
Unbacked Noncurrent Loans	$6.86 million
Real Estate Owned	$1.14 million
Profit Margin - Quarterly
Net Interest Margin	3.62%
Return on Assets	0.64%
Return on Equity	8.12%
Interest Income	$7.82 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Bank of Princeton had $9.59 million in non-current loans and owned real-estate with $60.9 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Princeton a Texas Ratio of 15.75% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for The Bank of Princeton held steady from 16.69% as of March 31, 2011 to 15.75% as of March 31, 2012, resulting in a positive change of 5.60%.This indicates that the balance sheet and financial strength for The Bank of Princeton has held steady in recent periods.
Deposit Growth
In the past year, The Bank of Princeton has increased its total deposits by $149.16 million, resulting in 32.24% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Bank of Princeton has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Bank of Princeton has $715.51 million in assets with $60.9 million in equity, resulting in a capitalization level of 8.51%, which is average.