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Princeton Bancorp (BPRN) investor relations material
Princeton Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Net income for Q2 2025 was $688 thousand ($0.10 per diluted share), down from $5.1 million ($0.80 per share) in Q2 2024 and $5.4 million in Q1 2025, mainly due to a large credit loss provision and higher non-interest expense.
For the six months ended June 30, 2025, net income was $6.1 million ($0.88 per share), compared to $9.5 million ($1.48 per share) in the prior year period.
Total assets decreased 4.2% to $2.24 billion at June 30, 2025, driven by lower cash and investment securities, partially offset by higher net loans.
The company completed the acquisition of Cornerstone Financial Corporation in August 2024, impacting expense and portfolio composition.
173,000 shares repurchased at an average price of $31.14 as part of the ongoing share repurchase program.
Financial highlights
Net interest income for Q2 2025 was $18.8 million, up $2.8 million year-over-year and $53 thousand sequentially; for the six months, net interest income was $37.6 million, up $6.2 million.
Net interest margin for Q2 2025 was 3.54%, up 3 bps from Q1 2025 and 10 bps from Q2 2024; FTE margin was 3.58%.
Provision for credit losses was $7.0 million in Q2 2025 and $7.2 million for the six months, reflecting a $9.9 million charge-off.
Non-interest income for Q2 2025 was $2.3 million, up 2.8% sequentially and 7.9% year-over-year; for the six months, it rose 9.1% to $4.4 million.
Non-interest expense for Q2 2025 was $13.5 million, down 2.1% sequentially but up 12.5% year-over-year, mainly due to the Cornerstone acquisition.
Outlook and guidance
Management anticipates stronger earnings in the second half of 2025, following the impact of the Q2 credit loss.
Management believes current sources of funds provide adequate liquidity for ongoing cash flow needs.
No material changes to risk factors or critical accounting estimates since the last annual report.
Detail the nature of the Q2 credit loss charge-off
Impact of strategic deposit reduction on cost of funds?
Quantify Q2 non-interest expense increase from acquisition
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Next Princeton Bancorp earnings date
Q3 202531 Oct, 2025
Next Princeton Bancorp earnings date
Q3 202531 Oct, 2025
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Frequently asked questions
Princeton Bancorp, Inc. operates as the bank holding company for The Bank of Princeton, offering a broad range of financial services primarily in New Jersey and Pennsylvania. The company provides various deposit products, including checking and savings accounts, money market accounts, and certificates of deposit. It also extends loans for residential and commercial purposes, including one-to-four-family residential mortgages, multi-family and commercial mortgages, construction loans, and business loans. In addition to traditional banking, Princeton Bancorp offers services like debit and credit cards, online and mobile banking, and merchant credit card processing. The company is headquartered in Princeton, New Jersey, and its shares are listed on the NASDAQ.
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