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 | |