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The Bank of Princeton


The Bank of Princeton is an FDIC insured institution headquartered at 183 Bayard Ln, Princeton, NJ 08540.
It was founded in 2007 and has approximately $2 billion in assets. Customers can open an account at one of its 13 branches.

Deposit Rates - December 12, 2025

SAVINGS RATES APY MIN
SAV
0.03% $0 Compare
CD RATES APY MIN
6 Mo CD
0.10% $500 Compare
12 Mo CD
0.25% $500 Compare
18 Mo CD
0.70% $500 Compare
24 Mo CD
0.35% $500 Compare
36 Mo CD
0.40% $500 Compare
48 Mo CD
0.45% $500 Compare
60 Mo CD
0.50% $500 Compare
MM RATES APY MIN
Money Market
0.03% $2,500 Compare
Money Market
0.05% $5,000 Compare
Money Market
0.05% $25,000 Compare
VARIABLE IRA RATES APY MIN
VIRA
0.05% $1
INT CHECKING RATES APY MIN
INTCK
0.02% $1,000

Loan Rates - December 12, 2025

HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
8.50% Varies
Compare with 0 RATE Line of Credit from Figure Home Equity Line Figure Home Equity Line
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc Reliant Home Funding, Inc
Compare with 6.95 RATE Line of Credit from Figure Home Equity Figure Home Equity
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan Third Federal Savings and Loan
5 Year Loan
6.68% $1,924.09
10 Year Loan
6.66% $1,111.61
15 Year Loan
6.90% $851.71
20 Year Loan
7.14% $746.52
See Other Home Equity Rates →

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58513
Date Established 2007
Assets $ 2.24 billion
Loans $ 1,818.21 million
Deposits $ 1,938.67 million
Capital $ 255.68 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 20.94 million
Interest-bearing balances $ 1.49 million
Total securities $ 224.92 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,818.21 million
Loan loss allowance $ 21.01 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 18.40 million
All other assets $ 87.04 million
     Total Assets $ 1,985.61 million

LIABILITIES
Total deposits $ 1,938.67 million
      Interest-bearing deposits $ 1,638.77 million
      Deposits held in domestic offices $ 1,938.67 million
      % insured (estimated)" 69.98%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 22.74 millionn
      Total Liabilities $ 1,985.61 million
      Shareholders’ Equity $ 255.68 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 66.14 million
Total Interest Expense $ 28.48 million
Net interest income $ 37.66 million
Provision for loan and lease losses $ 7.22 million
Total non interest income $ 4.35 million
Total non interest expense $ 26.68 million
Pre-tax Net Operating Income $ 15.60 million

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Branches

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The Bank of Princeton Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    The Bank of Princeton
    Bank
    NEW JERSEY
    $50,000
    N.A.
    0.03%
    0.13x (National Avg. - 0.23%)
    $0
    -
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 15 11
    2 50,015 15 11
    3 50,030 15 11
    4 50,045 15 11
    5 50,060 15 11
    6 50,075 15 11
    7 50,090 15 11
    8 50,105 15 11
    9 50,120 15 11
    10 50,135 15 11
    11 50,150 15 11
    12 50,165 15 11
    13 50,180 15 11
    14 50,195 15 11
    15 50,210 15 11
    16 50,225 15 11
    17 50,241 15 11
    18 50,256 15 11
    19 50,271 15 11
    20 50,286 15 11
    TOTAL $301 $211
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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