CENLAR FSB

EWING, NJ | Medium | Est. Jan. 1, 1912, midnight | FDIC #30996 | RSSD #934271 | OCC
Latest Report: 2025-12-31

CENLAR FSB is amn medium FDIC-insured commercial bank headquartered in EWING, NJ, established in Jan. 1, 1912, midnight. As of 2025-12-31, the bank reported total assets of $899M and total deposits of $567M. Profitability stands at 4.07% ROA and 24.27% ROE, with a net interest margin of 2.74%. The bank's CET1 capital ratio is 40.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.98% and a Texas Ratio of 6.92%. FDIC Certificate #30996.

Assets

$899M

Deposits

$567M

Loans

$271M

Equity

$155M

Profitability

Return on Assets (ROA) 4.07%
Return on Equity (ROE) 24.27%
Net Interest Margin (NIM) 2.74%
Yield on Assets 2.74%
Cost of Funds 0.00%

Asset Quality

NPL Ratio 3.98%
Net Charge-Off Ratio -0.01%
Texas Ratio 6.92%
NPA Ratio 1.20%
ACL / Loans 0.29%

Capital & Liquidity

CET1 Ratio 40.75%
Tier 1 Capital 40.75%
Total Capital Ratio 40.95%
Leverage Ratio 16.85%
Loan-to-Deposit 47.82%

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