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Princeton Bancorp (BPRN) investor relations material
Princeton Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Net income for Q3 2025 was $6.5 million ($0.95 per diluted share), a turnaround from a net loss of $4.5 million in Q3 2024, driven by higher net interest margin, lower credit loss provisions, and the absence of prior year merger expenses.
For the nine months ended September 30, 2025, net income was $12.5 million ($1.82 per diluted share), up from $5.0 million ($0.77 per diluted share) in the same period of 2024.
Net interest margin rose to 3.77%, up 0.36% year-over-year and 23 basis points sequentially, reflecting improved asset yields and reduced funding costs.
Total assets decreased 4.75% to $2.23 billion since year-end 2024, mainly due to declines in cash, investments, and loans.
Financial highlights
Net interest income for Q3 2025 was $19.6 million, up $2.5 million year-over-year and $809 thousand from Q2 2025.
Interest expense declined $1.6 million year-over-year in Q3 2025, reflecting lower deposit costs.
Provision for credit losses was a reversal of $672,000 in Q3 2025, compared to a $4.6 million provision in Q3 2024.
Non-interest expense for Q3 2025 was $13.9 million, down 30.9% year-over-year due to the absence of $7.8 million in prior year merger-related costs.
Non-interest income for Q3 2025 was $1.9 million, down 15.2% sequentially and 7.2% year-over-year.
Outlook and guidance
Management highlighted ongoing risks from macroeconomic factors, including federal budget issues, tariffs, inflation, and geopolitical conflicts, which could impact loan delinquencies, deposit levels, and liquidity.
Management believes current funding sources provide adequate liquidity for ongoing cash flow needs.
The company remains well-capitalized and expects to maintain strong capital and liquidity positions.
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Next Princeton Bancorp earnings date
Q4 202526 Jan, 2026
Next Princeton Bancorp earnings date
Q4 202526 Jan, 2026
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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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