{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-014359","form_type":"8-K","ticker":"BPRN","cik":"0001913971","company_name":"Princeton Bancorp, Inc.","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.566427+00:00","generated_at":"2026-05-27T08:33:25.983845+00:00","sec_items":["9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Q4 net income $5.2M ($0.75 EPS) vs Q3 loss; full-year EPS $1.55 vs $4.03 in 2023","bullets":["Q4 2024 net income $5.2M ($0.75 diluted EPS) vs Q3 2024 loss of $4.5M ($0.68 loss) and Q4 2023 net income of $5.3M ($0.82).","Full-year 2024 net income $10.2M ($1.55 diluted EPS) vs $25.8M ($4.03) in 2023; decline due to prior-year bargain purchase gain from Noah Bank acquisition.","Assets exceeded $2.0B; loans +$270.5M and deposits +$396.9M (24.3%), driven by Cornerstone acquisition completed August 2024.","Non-performing assets rose to $27.1M from $6.7M at end-2023; two commercial real estate loans totaling $25.4M delinquent, bank evaluating sale.","Net interest margin 3.28% in Q4 2024, down 13 bps from Q3 2024 and 27 bps from Q4 2023; total provision for credit losses fell $4.2M sequentially."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-014359","json":"https://secwatch.observer/filing/0001193125-25-014359.json","markdown":"https://secwatch.observer/filing/0001193125-25-014359.md","text":"https://secwatch.observer/filing/0001193125-25-014359.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1913971/000119312525014359/0001193125-25-014359-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1913971/000119312525014359/d870068d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T08:33:25.983845+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}