---
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"
generated_at: "2026-05-27T08:33:25.983845+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Q4 net income $5.2M ($0.75 EPS) vs Q3 loss; full-year EPS $1.55 vs $4.03 in 2023

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-014359
- JSON: https://secwatch.observer/filing/0001193125-25-014359.json
- Plain text: https://secwatch.observer/filing/0001193125-25-014359.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.