Cenlar FSB
Total assets
$782.0M
▼ -10.7% YoY
Deposits
$442.8M
▼ -6.3% YoY
Loans
$202.2M
▼ -11.9% YoY
Offices
1
EMPLOYEES STK OWNERSHIP PLAN CENLAR CAPITAL
ROA (annualized)
-1.23%
peers 1.28%
ROE (annualized)
-6.99%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Cenlar FSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.7% | +4.9% | -15.6 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% | 12.4% | -19.4 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
Profile
- Established
- 1912
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- EMPLOYEES STK OWNERSHIP PLAN CENLAR CAPITAL
- Specialization
- Mortgage Lending Specialization
- Address
- 425 Phillips Blvd, Ewing, NJ, 08618
- County
- Mercer
- Metro area
- Trenton-Princeton, NJ
- Offices
- 1
- FDIC cert #
- 30996
- RSSD ID
- 934271
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| 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 pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Cenlar FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.23% | 1.28% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -7.0% | 12.4% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.89% | 7th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.1% | 61.2% | 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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| Ratio | Cenlar FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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