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
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.
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.
Capital
88
Asset Quality
83
Profitability
5
Liquidity
0
Efficiency
7
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.
Ewing, NJ · Cert 30996 · Employees STK Ownership Plan Cenlar Capital
State savings bank · OCC · 1 branch
Q2 2026
Market Position · Trenton-Princeton, NJ · 2026 SOD (annual) · 2.0% share · #11 of 22 inst. · $0.4B of $22.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.48% | 2.69% | 2.49% | 2.29% | 2.73% | -0.44% | -1.23% | -373 bps | |
| Return on Equity | 9.93% | 11.63% | 18.43% | 16.45% | 14.84% | 17.27% | -2.53% | -6.99% | -2,345 bps | |
| Net Interest Margin | 2.29% | 2.05% | 2.46% | 2.53% | 2.46% | 2.41% | 2.38% | 2.37% | -16 bps | |
| Efficiency Ratio | 100.31% | 98.97% | 93.15% | 93.90% | 94.41% | 93.28% | 100.98% | 104.13% | +1,023 bps | |
| Non-Interest Burden | 2.48% | 1.59% | -0.89% | -0.65% | -0.55% | -1.10% | 2.93% | 4.46% | +511 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.83% | -1.24% | -5.94% | -11.58% | -6.00% | -4.59% | -4.92% | -10.74% | +84 bps | |
| Loan Growth (YoY) | -9.45% | -11.06% | -9.27% | -10.69% | 5.70% | 11.95% | 8.46% | -12.17% | -148 bps | |
| Deposit Growth (YoY) | -6.30% | -4.91% | -6.92% | -22.57% | -10.67% | -5.74% | -3.54% | -6.34% | +1,623 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.52% | 2.97% | 3.28% | 3.80% | 3.14% | 3.98% | 5.27% | 0.21% | -358 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | -0.02% | -0.01% | -0.01% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 0.26% | 0.29% | 0.28% | 0.29% | 0.29% | 0.29% | 0.29% | 0.00% | -29 bps | |
| Allowance Coverage of NPLs | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.1x | 0.0x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.38% | 12.03% | 13.95% | 15.50% | 16.24% | 16.85% | 17.85% | 16.56% | +106 bps | |
| Total Risk-Based Capital | 38.67% | 37.65% | 43.28% | 46.35% | 39.81% | 40.95% | 43.44% | 44.07% | -228 bps | |
| Equity / Assets | 13.41% | 14.02% | 15.23% | 16.29% | 16.31% | 17.26% | 17.82% | 17.85% | +156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.10% | 40.26% | 45.79% | 48.69% | 52.18% | 47.82% | 51.48% | 45.66% | -303 bps | |
| Liquid Assets / Assets | 58.34% | 55.88% | 55.98% | 55.75% | 53.37% | 50.63% | 50.58% | 53.83% | -192 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 2.37% | 3.03% | 3.54% | 4.05% | Beats 8% | 579 / 629 | ||
| Efficiency Ratio | 104.16% | 58.35% | 67.79% | 79.08% | Beats 7% | 587 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.09% | 0.46% | 1.20% | Beats 65% | 207 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 44.07% | 11.24% | 13.84% | 18.77% | Beats 90% | 63 / 629 | ||
| Total Risk-Based Capital Ratio | 44.07% | 11.58% | 14.43% | 19.66% | Beats 90% | 64 / 629 | ||
| Equity / Assets | 17.85% | 9.09% | 10.65% | 13.80% | Beats 85% | 96 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.66% | 67.24% | 80.90% | 93.48% | 8th pctl | 544 / 594 | ||
| Loans / Assets | 25.85% | 53.31% | 67.71% | 78.15% | 10th pctl | 568 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||