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
Unfavorable gap of $37.1M · efficiency ratio beats 7% of banks under $1B in assets | 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 |