Princeton Bancorp Inc
thebankofprinceton.comWhat Do They Do?
Provides personal and business loans and deposit services to small businesses, professionals and individuals in its market area.
10-K for FY2025, filed Mar 13, 2026Princeton Bancorp, Inc. is a Pennsylvania corporation formed in 2022 to be the holding company for The Bank of Princeton. The Bank was…View ↗
The Bank offers traditional retail banking services, one-to-four-family residential mortgage loans, multi-family and commercial mortgage…View ↗
We remain focused on establishing and retaining customer relationships by offering a broad range of traditional financial services and…View ↗
How Do They Make Money?
Earns interest from lending and investments, and fees for deposit accounts, card transactions, ATM use, merchant processing and other services. Account and service fees are generally collected immediately or the following month.
10-K for FY2025, filed Mar 13, 2026We strive to serve the financial needs of our customers while providing an appropriate return to our stockholders, consistent with safe and…View ↗
Topic 606 does not apply to revenue associated with financial instruments, including revenue from loans and securities. In addition…View ↗
Service charges on deposit accounts consist of account analysis fees (i.e., net fees earned on analyzed business and public checking…View ↗
Fees, exchange, and other service charges are primarily comprised of debit and credit card income, ATM fees, merchant services income, and…View ↗
$130.6M
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10-K for FY2025, filed Mar 13, 2026
$130.6M ↗
Who Are Their Customers?
Serves small businesses, professionals and individuals in its local markets through branches, ATMs and online banking. It originates loans directly and also receives referrals from real estate brokers, directors, stockholders and customers.
10-K for FY2025, filed Mar 13, 2026We remain focused on establishing and retaining customer relationships by offering a broad range of traditional financial services and…View ↗
In attracting business and consumer deposits, we face substantial competition from other insured depository institutions such as banks…View ↗
Construction Loans. We originate various types of commercial loans, including construction loans, secured by collateral such as real…View ↗
Residential First-Lien Mortgage Loans. We offer a narrow range of prime residential first-lien mortgage loans at competitive rates. Our…View ↗
Home Equity Loans and Consumer Loans. We generate these loans and lines of credit primarily through direct marketing at our branch…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 14 cents of every revenue dollar as net income in FY2025 and turned 16 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 88% in 4 years, from $69.3M in FY2021 to $130.6M in FY2025, about 17% a year.
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