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183 Bayard Lane
Princeton, NJ 08540

The Bank of Princeton is headquartered in Princeton and is the 28th largest bank in the state of New Jersey. It is also the 769th largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 127 employees at 12 locations. The Bank of Princeton's money market rates are 59% higher than the national average, and it has a B+ health rating.

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Reviews (1)

No Holiday Bonus For New Employees

This bank is making millions of dollars in customer deposits, and is one of the fastest growing banks in NJ. Yet it does not pay ALL OF ITS employees bonuses for the holidays, as it is based on the tenure of the employee! Never heard of this kind of nonsense before!!!


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Bank of Princeton had $10.63 million in non-current loans and owned real-estate with $77.19 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Princeton a Texas Ratio of 13.77% which is above 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 experienced no significant changes from 13.77% as of March 31, 2013 to 13.77% as of March 31, 2014, resulting in a negative change of 0.00%. This indicates that the balance sheet and financial strength for The Bank of Princeton has had no significant changes in recent periods.

Deposit Growth


In the past year, The Bank of Princeton has increased its total deposits by $41.88 million, resulting in 6.01% 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.



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 $882.13 million in assets with $77.19 million in equity, resulting in a capitalization level of 8.75%, which is average.

Institution Statistics

FDIC Certificate #58513
Year Established2007
Primary RegulatorFDIC
Assets and Liabilities
Assets$882.13 million
Loans$643.05 million
Deposits$738.99 million
Equity Capital$68.44 million
Loan Loss Allowance$8.75 million
Unbacked Noncurrent Loans$9.61 million
Real Estate Owned$1.02 million
Historic Data - March 2013
Assets$808.80 million
Equity Capital$63.63 million
Loan Loss Allowance$7.09 million
Unbacked Noncurrent Loans$9.61 million
Real Estate Owned$1.49 million
Profit Margin - Quarterly
Net Interest Margin3.76%
Return on Assets0.91%
Return on Equity12.12%
Interest Income$9.66 million

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The Bank of Princeton Savings Account Rates

0.75%$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

0.70%$250k-Priority Money Market
0.40%$250k-Business Money Market

The Bank of Princeton Checking Account Rates

0.25%$250k-Premier Business Checking
0.05%$1k-Premier Checking
0.05%$500-Classic Checking

The Bank of Princeton CD Rates

1.60%$500$100k60 Month CD
1.30%$500$100k48 Month CD
1.20%$500$100k36 Month CD
0.99%$500$100k24 Month CD
0.60%$500$100k12 Month CD
0.45%$500$100k9 Month CD
0.30%$500$100k6 Month CD
0.15%$500$100k3 Month CD

The Bank of Princeton IRA Rates

1.60%$500$100k60 Month IRA
1.30%$500$100k48 Month IRA
1.20%$500$100k36 Month IRA
0.99%$500$100k24 Month IRA
0.60%$500$100k12 Month IRA

The Bank of Princeton has 12 locations. Click to view all The Bank of Princeton locations.