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The Bank Of Princeton

IDRSSD: 3595271
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q2QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #3595271 2025-Q2 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.93% of assets (threshold 3%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.14% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -11
  • Reserves
    ↑ +13

The five pillars

Liquidity

StableQoQ -1
67
Sub-score

Liquidity is stable: brokered 1.8%, loans/deposits 93.8%, cash 0.9% of assets.

Cash / Assets
0.93%
Loans / Deposits
93.79%
Brokered %
1.81%

Watch Items

  • riskCash / Assets below 3% — Cash 0.93% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.14%
No watch items at this period.

Capitalization

StableQoQ -6
79
Sub-score

Capital position is stable: Tier 1 RBC 12.00%, CET1 12.00%, leverage 10.53%.

Tier 1 RBC
12.00%
CET1
12.00%
Leverage
10.53%
No watch items at this period.

Asset Quality

StableQoQ -11
79
Sub-score

Asset quality is stable: Adjusted NPL 0.91%, Texas Ratio 6.3%, NCO YTD 2.14%.

Adjusted NPL
0.91%
Govt-guarantees stripped
Texas Ratio
6.3%
NCO YTD
2.14%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.14% of loans.

Reserves

StableQoQ +13
70
Sub-score

Reserves are stable: ALLL 1.14% of loans, coverage 127.1%, true coverage 95.5%.

ALLL / Loans
1.14%
Coverage
127.1%
True Loss Coverage
95.5%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 09:06:17 UTC