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Cenlar FSB

Ewing, NJ · Cert 30996 · Employees STK Ownership Plan Cenlar Capital

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

88

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

7

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cenlar FSB

Ewing, NJ · Cert 30996 · Employees STK Ownership Plan Cenlar Capital

State savings bank · OCC · 1 branch

Q2 2026

$782.0MAssets
$202.2MLoans
$442.8MDeposits
$139.6MEquity
Loan mix
100%RE $263.0M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
0%Interest-bearing $0.0M100%Noninterest $442.8MQ2 2025Q2 2026

NIM

2.72%Q2 ’242.57%Q2 ’252.36%Q2 ’26+22%-6%

Non-interest income vs. expense

47.69%Q2 ’2449.07%Q2 ’2552.42%Q2 ’26-121%+783%

Market Position · Trenton-Princeton, NJ · 2026 SOD (annual) · 2.0% share · #11 of 22 inst. · $0.4B of $22.1B

Executive Summary

  • Earnings: ROA of -1.23%, down 373 bps year over year; NIM at 2.37%.
  • Asset quality: problem loans at 0.21% of loans (-358 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.56%, up 106 bps from a year ago.
  • Funding: loans stand at 45.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.23%-373 bps YoY

Net Interest Margin (YTD, annualized)

2.37%-16 bps YoY

Efficiency Ratio (YTD, annualized)

104.13%+1,023 bps YoY

Tier 1 Leverage Ratio

16.56%+106 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.49%2.29%2.73%-0.44%-1.23%-373 bps
Return on Equity16.45%14.84%17.27%-2.53%-6.99%-2,345 bps
Net Interest Margin2.53%2.46%2.41%2.38%2.37%-16 bps
Efficiency Ratio93.90%94.41%93.28%100.98%104.13%+1,023 bps
Non-Interest Burden-0.65%-0.55%-1.10%2.93%4.46%+511 bps
Growth
Asset Growth (YoY)-11.58%-6.00%-4.59%-4.92%-10.74%+84 bps
Loan Growth (YoY)-10.69%5.70%11.95%8.46%-12.17%-148 bps
Deposit Growth (YoY)-22.57%-10.67%-5.74%-3.54%-6.34%+1,623 bps
Asset Quality
Nonperforming Loans / Loans3.80%3.14%3.98%5.27%0.21%-358 bps
Net Charge-Offs / Loans-0.02%-0.01%-0.01%0.00%0.00%+2 bps
Allowance / Loans0.29%0.29%0.29%0.29%0.00%-29 bps
Allowance Coverage of NPLs0.1x0.1x0.1x0.1x0.0x-0.1x
Capital
Tier 1 Leverage Ratio15.50%16.24%16.85%17.85%16.56%+106 bps
Total Risk-Based Capital46.35%39.81%40.95%43.44%44.07%-228 bps
Equity / Assets16.29%16.31%17.26%17.82%17.85%+156 bps
Liquidity & Funding
Loans / Deposits48.69%52.18%47.82%51.48%45.66%-303 bps
Liquid Assets / Assets55.75%53.37%50.63%50.58%53.83%-192 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cenlar FSB

Ewing, NJ · Cert 30996 · Peer group: banks under $1B in assets (n=581-629) · Employees STK Ownership Plan Cenlar Capital

State savings bank · OCC · 1 branch

Q2 2026

$782.0MAssets
$202.2MLoans
$442.8MDeposits
$139.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: return on equity trails 96% of banks under $1B in assets (rank 603 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-1.34%

Rank 603 of 629

Net Interest Margin

2.37%

Rank 579 of 629

Efficiency Ratio

104.16%

Rank 587 of 629

Equity / Assets

17.85%

Rank 96 of 629

Non-interest income vs. expense

$398.8M$435.9MINCOMEEXPENSE
Unfavorable gap of $37.1M · efficiency ratio beats 7% of banks under $1B in assets
Bank 104.16%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.34%0.60%1.01%1.45%Beats 4%603 / 629
Return on Equity-7.50%5.38%9.30%13.28%Beats 4%603 / 629
Net Interest Margin2.37%3.03%3.54%4.05%Beats 8%579 / 629
Efficiency Ratio104.16%58.35%67.79%79.08%Beats 7%587 / 629
Asset Quality
Nonperforming Loans / Loans0.21%0.09%0.46%1.20%Beats 65%207 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio44.07%11.24%13.84%18.77%Beats 90%63 / 629
Total Risk-Based Capital Ratio44.07%11.58%14.43%19.66%Beats 90%64 / 629
Equity / Assets17.85%9.09%10.65%13.80%Beats 85%96 / 629
Liquidity & Funding
Loans / Deposits45.66%67.24%80.90%93.48%8th pctl544 / 594
Loans / Assets25.85%53.31%67.71%78.15%10th pctl568 / 629
Brokered Deposits / Depositsn/aNot reported for this institution