---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-164387"
form_type: "8-K"
ticker: "BPRN"
cik: "0001913971"
company_name: "Princeton Bancorp, Inc."
filed_at: "2025-07-24T23:59:59+00:00"
generated_at: "2026-05-18T02:39:13.983588+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Princeton Bancorp Q2 net income drops to $688K from $5.4M QoQ on $7M credit loss provision

## Summary
- Net income $688K ($0.10 EPS) vs $5.4M ($0.77) Q1 2025 and $5.1M ($0.80) Q2 2024.
- Provision for credit losses $7.0M, up $6.7M QoQ, primarily from previously disclosed $9.9M charge-off.
- Net interest income $18.8M (+$53K QoQ, +$2.8M YoY); net interest margin 3.54%.
- Total assets $2.24B (-4.2% YTD); deposits down $100.3M (-4.93%); equity ratio 11.7%.
- Repurchased 173K shares at $31.14; CEO expects stronger H2 2025 earnings.

## SEC filing metadata
- accession: 0001193125-25-164387
- form_type: 8-K
- ticker: BPRN
- cik: 0001913971
- company_name: Princeton Bancorp, Inc.
- filed_at: 2025-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1913971/000119312525164387/0001193125-25-164387-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1913971/000119312525164387/d847827d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-164387
- JSON: https://secwatch.observer/filing/0001193125-25-164387.json
- Plain text: https://secwatch.observer/filing/0001193125-25-164387.txt

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