$865M
−4.9%y/y
Percentile by value91st percentileby value
FDIC
ASSETCF
Cenlar FSB
Ewing, New JerseyFDIC Cert #30996
OCCEstablished 19121 branch
Holding company: EMPLOYEES STK OWNERSHIP PLAN CENLAR CAPITALRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportCenlar FSB reported $865M in total assets. Deposits declined 3.54% over the prior year.
Return on assets was −0.44%, compared with an asset-peer median of 1.22%. The leverage ratio was 17.85%.
- Why is Noncurrent Loan Ratio above asset peers?
- Why is Efficiency Ratio above asset peers?
- Why is Total Assets above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$511M
−3.5%y/y
Percentile by value64th percentileby value
FDIC
DEP$262M
+8.4%y/y
Percentile by value29th percentileby value
FDIC
LNLSNET−0.44%
−314 bpsy/y
Peer standing2nd percentile
FDIC
NETINC + ROA100.98%
+783 bpsy/y
Peer standing2nd percentile
FDIC
NONIX + NIM + NONII + EEFFR17.85%
+390 bpsy/y
Peer standing96th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.14B | $745M |
| Q3 2021 | $1.21B | $856M |
| Q4 2021 | $1.21B | $904M |
| Q1 2022 | $1.11B | $718M |
| Q2 2022 | $1.05B | $690M |
| Q3 2022 | $1.11B | $769M |
| Q4 2022 | $1.11B | $795M |
| Q1 2023 | $1.12B | $718M |
| Q2 2023 | $1.04B | $641M |
| Q3 2023 | $986M | $609M |
| Q4 2023 | $954M | $632M |
| Q1 2024 | $967M | $569M |
| Q2 2024 | $991M | $611M |
| Q3 2024 | $948M | $571M |
| Q4 2024 | $942M | $601M |
| Q1 2025 | $909M | $530M |
| Q2 2025 | $876M | $473M |
| Q3 2025 | $891M | $510M |
| Q4 2025 | $899M | $567M |
| Q1 2026 | $865M | $511M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $0 |
| Investor CRE | $0 |
| Multifamily | $0 |
| Construction | $0 |
| 1–4 family | $263M |
| C&I | $0 |
| Agriculture | $0 |
| Other | $8K |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.44%2nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE−2.53%2nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY2.88%8th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR100.98%2nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP−3.54%8th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+8.45%65th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR5.27%2nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ17.85%96th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOMToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC0%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.44%10th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.45%Median 0.67%90th 1.80%Observations 50
ROE
FDIC
NETINC + ROE−2.53%8th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −2.28%Median 6.77%90th 14.19%Observations 50
NIM
FDIC
NIM + NIMY2.88%31st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.19%Median 3.15%90th 4.11%Observations 50
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR100.98%12th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.22%Median 70.75%90th 107.11%Observations 50
Deposits YoY
FDIC
DEP−3.54%6th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.28%Median +2.65%90th +10.75%Observations 48
Loans YoY
FDIC
LNLSNET+8.45%70th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.40%Median +4.03%90th +17.03%Observations 48
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR5.27%2nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.44%90th 1.35%Observations 49
Leverage
FDIC
RBC1AAJ17.85%92nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.60%Median 10.50%90th 16.09%Observations 50
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOMToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.19%Median 2.97%90th 3.82%Observations 49
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC0%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 15%Median 254%90th 435%Observations 38
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.44%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.01%Median 0.55%90th 1.42%Observations 17
ROE
FDIC
NETINC + ROE−2.53%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.45%Median 6.70%90th 8.61%Observations 17
NIM
FDIC
NIM + NIMY2.88%25th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.31%Median 3.13%90th 4.10%Observations 17
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR100.98%6th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.94%Median 78.07%90th 98.98%Observations 17
Deposits YoY
FDIC
DEP−3.54%13th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.26%Median +3.47%90th +11.03%Observations 17
Loans YoY
FDIC
LNLSNET+8.45%81st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.23%Median +2.79%90th +11.97%Observations 17
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR5.27%6th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.13%90th 3.33%Observations 17
Leverage
FDIC
RBC1AAJ17.85%88th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.04%90th 20.71%Observations 17
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOMToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.23%Median 2.58%90th 3.88%Observations 16
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC0%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 48%Median 157%90th 277%Observations 14
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Ewing, NJ
FDIC
OFFDOMOpen the New Jersey dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data