| Metric | Cenlar FSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.7% | +4.9% | -15.7 pts |
| Deposit growth (YoY) | -6.3% | +4.3% | -10.7 pts |
| Loan growth (YoY) | -11.9% | +5.3% | -17.3 pts |
| ROA | -1.23% | 1.28% | -2.5 pts |
| ROE | -7.0% | 12.5% | -19.5 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $782.0M | $442.8M | $202.2M | $139.6M | $-5.2M | -1.23% | 2.87% | 0.06% |
| Q1 2026 | $864.5M | $510.9M | $262.2M | $154.1M | $-979K | -0.44% | 2.88% | 1.60% |
| Q4 2025 | $899.2M | $566.9M | $270.3M | $155.2M | $24.7M | 2.73% | 2.98% | 1.20% |
| Q3 2025 | $891.0M | $509.6M | $265.1M | $145.3M | $15.5M | 2.29% | 2.95% | 0.94% |
| Q2 2025 | $876.2M | $472.7M | $229.5M | $142.7M | $11.3M | 2.49% | 3.11% | 1.00% |
| Q1 2025 | $909.2M | $529.6M | $241.8M | $138.4M | $6.2M | 2.69% | 3.21% | 0.87% |
| Q4 2024 | $942.4M | $601.4M | $241.4M | $132.1M | $14.2M | 1.48% | 2.77% | 0.76% |
| Q3 2024 | $947.8M | $570.5M | $250.9M | $127.1M | $8.9M | 1.23% | 2.65% | 0.69% |
Loan mix (Q2 2026): real estate $202.2M · commercial $0 · consumer $0 · securities $407.8M
| Ratio | Cenlar FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.23% | 1.28% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -7.0% | 12.5% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.1% | 61.1% | 98th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Cenlar FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Cenlar FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Cenlar FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Cenlar FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Cenlar FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Spends 56.0× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
1 branches in 1 county across 1 state (+0 vs 2025) · $442.8M branch deposits. Biggest market: Mercer, NJ, ranked 12th with 1.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mercer, NJ | 1 | $442.8M | 1.84% | 12th |
New Jersey: 64th with 0.09% · Trenton-Princeton metro: 12th, 1.84% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1