Princeton Bancorp (BPRN) investor relations material

Executive summary

• Achieved net income of $6.1 million and diluted EPS of $0.90 for Q4 2025, with non-interest income up 11% and operating expenses down 8.5% sequentially.

• Full-year 2025 net income was $18.6 million ($2.71 per diluted share), up from $10.2 million ($1.55 per share) in 2024, reflecting the absence of prior-year merger-related expenses.

Financial highlights

• Q4 2025 net interest income was $18.6 million, down $1.0 million sequentially but up $623 thousand year-over-year.

• Net interest margin for Q4 2025 was 3.51%, down 26 bps sequentially, up 23 bps year-over-year.

• Total assets at year-end 2025 were $2.28 billion, down 2.44% from 2024, mainly due to a $66.6 million decrease in investment securities.

• Total deposits decreased 2.78% year-over-year to $1.98 billion, with notable declines in certificates of deposit and money market accounts.

• Book value per share at year-end was $40.01, up 5.1% year-over-year; tangible book value per share was $37.48, up 5.7%.

Outlook and guidance

• Management highlighted strong liquidity and capital positions, with continued focus on operational efficiency and risk management.

• Forward-looking statements caution on economic, regulatory, and geopolitical risks that could impact future results.